Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$247,291Cash toward the purchase price.
Closing costs + prepaids$11,297Not just lender fees.
Before credits & paid funds$258,588The complete starting cash picture.
Estimated remaining funds due at closing
$258,588No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$247,291.01
Your down payment$247,291.01
Closing costs + prepaids$11,296.74
Total buyer cash needed$258,587.75
Remaining funds due$258,587.75
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%)$3,850.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$688.54
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$962.50
Prepaid interest, first (22 days)$577.70
Fees + prepaids$11,296.74
Your down payment is the seller’s equity. You take over the $137,709 balance, so the rest of the $385,000 price is paid at closing. A second mortgage can cover part of it. $258,587.75 is due at closing. Uses and sources reconcile at $396,296.74 each. Not a Closing Disclosure.