Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$239,687Cash toward the purchase price.
Closing costs + prepaids$11,881Not just lender fees.
Before credits & paid funds$251,568The complete starting cash picture.
Estimated remaining funds due at closing
$251,568No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$239,686.62
Your down payment$239,686.62
Closing costs + prepaids$11,880.91
Total buyer cash needed$251,567.53
Remaining funds due$251,567.53
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%)$3,999.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$801.07
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,560.50
Prepaid interest, first (24 days)$302.34
Fees + prepaids$11,880.91
Your down payment is the seller’s equity. You take over the $160,213 balance, so the rest of the $399,900 price is paid at closing. A second mortgage can cover part of it. $251,567.53 is due at closing. Uses and sources reconcile at $411,780.91 each. Not a Closing Disclosure.