Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$257,984Cash toward the purchase price.
Closing costs + prepaids$9,342Not just lender fees.
Before credits & paid funds$267,326The complete starting cash picture.
Estimated remaining funds due at closing
$267,326No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$257,984.17
Your down payment$257,984.17
Closing costs + prepaids$9,341.98
Total buyer cash needed$267,326.15
Remaining funds due$267,326.15
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%)$3,299.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$359.58
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$341.00
Prepaid interest, first (22 days)$124.40
Fees + prepaids$9,341.98
Your down payment is the seller’s equity. You take over the $71,916 balance, so the rest of the $329,900 price is paid at closing. A second mortgage can cover part of it. $267,326.15 is due at closing. Uses and sources reconcile at $339,241.98 each. Not a Closing Disclosure.