Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$265,808Cash toward the purchase price.
Closing costs + prepaids$11,390Not just lender fees.
Before credits & paid funds$277,198The complete starting cash picture.
Estimated remaining funds due at closing
$277,198No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$265,807.97
Your down payment$265,807.97
Closing costs + prepaids$11,390.22
Total buyer cash needed$277,198.19
Remaining funds due$277,198.19
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%)$4,050.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$695.96
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,012.50
Prepaid interest, first (25 days)$413.76
Fees + prepaids$11,390.22
Your down payment is the seller’s equity. You take over the $139,192 balance, so the rest of the $405,000 price is paid at closing. A second mortgage can cover part of it. $277,198.19 is due at closing. Uses and sources reconcile at $416,390.22 each. Not a Closing Disclosure.