Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$248,676Cash toward the purchase price.
Closing costs + prepaids$11,179Not just lender fees.
Before credits & paid funds$259,855The complete starting cash picture.
Estimated remaining funds due at closing
$259,855No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$248,676.05
Your down payment$248,676.05
Closing costs + prepaids$11,179.14
Total buyer cash needed$259,855.19
Remaining funds due$259,855.19
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%)$3,940.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$726.62
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$985.00
Prepaid interest, first (26 days)$309.52
Fees + prepaids$11,179.14
Your down payment is the seller’s equity. You take over the $145,324 balance, so the rest of the $394,000 price is paid at closing. A second mortgage can cover part of it. $259,855.19 is due at closing. Uses and sources reconcile at $405,179.14 each. Not a Closing Disclosure.