Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$255,863Cash toward the purchase price.
Closing costs + prepaids$10,836Not just lender fees.
Before credits & paid funds$266,699The complete starting cash picture.
Estimated remaining funds due at closing
$266,699No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$255,862.94
Your down payment$255,862.94
Closing costs + prepaids$10,835.61
Total buyer cash needed$266,698.55
Remaining funds due$266,698.55
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%)$3,900.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$670.69
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$712.50
Prepaid interest, first (25 days)$334.42
Fees + prepaids$10,835.61
Your down payment is the seller’s equity. You take over the $134,137 balance, so the rest of the $390,000 price is paid at closing. A second mortgage can cover part of it. $266,698.55 is due at closing. Uses and sources reconcile at $400,835.61 each. Not a Closing Disclosure.