Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$241,210Cash toward the purchase price.
Closing costs + prepaids$10,609Not just lender fees.
Before credits & paid funds$251,820The complete starting cash picture.
Estimated remaining funds due at closing
$251,820No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$241,210.36
Your down payment$241,210.36
Closing costs + prepaids$10,609.36
Total buyer cash needed$251,819.73
Remaining funds due$251,819.73
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%)$3,899.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$743.45
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$62.50
Prepaid interest, first (25 days)$686.42
Fees + prepaids$10,609.36
Your down payment is the seller’s equity. You take over the $148,690 balance, so the rest of the $389,900 price is paid at closing. A second mortgage can cover part of it. $251,819.73 is due at closing. Uses and sources reconcile at $400,509.36 each. Not a Closing Disclosure.