Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$244,756Cash toward the purchase price.
Closing costs + prepaids$11,435Not just lender fees.
Before credits & paid funds$256,191The complete starting cash picture.
Estimated remaining funds due at closing
$256,191No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$244,755.94
Your down payment$244,755.94
Closing costs + prepaids$11,434.70
Total buyer cash needed$256,190.64
Remaining funds due$256,190.64
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%)$725.72
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$685.50
Initial HOA (3 months)$534.00
Prepaid interest, first (29 days)$372.48
Fees + prepaids$11,434.70
Your down payment is the seller’s equity. You take over the $145,144 balance, so the rest of the $389,900 price is paid at closing. A second mortgage can cover part of it. $256,190.64 is due at closing. Uses and sources reconcile at $401,334.70 each. Not a Closing Disclosure.