Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$269,696Cash toward the purchase price.
Closing costs + prepaids$10,897Not just lender fees.
Before credits & paid funds$280,593The complete starting cash picture.
Estimated remaining funds due at closing
$280,593No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$269,696.43
Your down payment$269,696.43
Closing costs + prepaids$10,896.72
Total buyer cash needed$280,593.14
Remaining funds due$280,593.14
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%)$3,950.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$626.52
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$737.00
Prepaid interest, first (27 days)$365.20
Fees + prepaids$10,896.72
Your down payment is the seller’s equity. You take over the $125,304 balance, so the rest of the $395,000 price is paid at closing. A second mortgage can cover part of it. $280,593.14 is due at closing. Uses and sources reconcile at $405,896.72 each. Not a Closing Disclosure.