Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$246,696Cash toward the purchase price.
Closing costs + prepaids$10,806Not just lender fees.
Before credits & paid funds$257,502The complete starting cash picture.
Estimated remaining funds due at closing
$257,502No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$246,696.21
Your down payment$246,696.21
Closing costs + prepaids$10,806.27
Total buyer cash needed$257,502.48
Remaining funds due$257,502.48
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%)$4,090.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$811.52
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$353.25
Prepaid interest, first (25 days)$333.50
Fees + prepaids$10,806.27
Your down payment is the seller’s equity. You take over the $162,304 balance, so the rest of the $409,000 price is paid at closing. A second mortgage can cover part of it. $257,502.48 is due at closing. Uses and sources reconcile at $419,806.27 each. Not a Closing Disclosure.