Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$270,308Cash toward the purchase price.
Closing costs + prepaids$10,858Not just lender fees.
Before credits & paid funds$281,166The complete starting cash picture.
Estimated remaining funds due at closing
$281,166No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$270,307.99
Your down payment$270,307.99
Closing costs + prepaids$10,858.35
Total buyer cash needed$281,166.34
Remaining funds due$281,166.34
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%)$693.46
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$594.25
Prepaid interest, first (24 days)$262.64
Fees + prepaids$10,858.35
Your down payment is the seller’s equity. You take over the $138,692 balance, so the rest of the $409,000 price is paid at closing. A second mortgage can cover part of it. $281,166.34 is due at closing. Uses and sources reconcile at $419,858.35 each. Not a Closing Disclosure.