Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$251,850Cash toward the purchase price.
Closing costs + prepaids$9,531Not just lender fees.
Before credits & paid funds$261,381The complete starting cash picture.
Estimated remaining funds due at closing
$261,381No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$251,849.75
Your down payment$251,849.75
Closing costs + prepaids$9,531.00
Total buyer cash needed$261,380.75
Remaining funds due$261,380.75
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%)$3,059.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$270.25
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$764.75
Prepaid interest, first (23 days)$219.00
Fees + prepaids$9,531.00
Your down payment is the seller’s equity. You take over the $54,050 balance, so the rest of the $305,900 price is paid at closing. A second mortgage can cover part of it. $261,380.75 is due at closing. Uses and sources reconcile at $315,431.00 each. Not a Closing Disclosure.