Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$247,177Cash toward the purchase price.
Closing costs + prepaids$11,475Not just lender fees.
Before credits & paid funds$258,652The complete starting cash picture.
Estimated remaining funds due at closing
$258,652No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$247,176.87
Your down payment$247,176.87
Closing costs + prepaids$11,474.76
Total buyer cash needed$258,651.63
Remaining funds due$258,651.63
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$763.00
Credit report$200.00
Tax service$80.00
UMe assumption specialist (1%)$3,899.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$713.62
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,318.50
Prepaid interest, first (24 days)$325.64
Fees + prepaids$11,474.76
Your down payment is the seller’s equity. You take over the $142,723 balance, so the rest of the $389,900 price is paid at closing. A second mortgage can cover part of it. $258,651.63 is due at closing. Uses and sources reconcile at $401,374.76 each. Not a Closing Disclosure.