Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$249,901Cash toward the purchase price.
Closing costs + prepaids$10,977Not just lender fees.
Before credits & paid funds$260,878The complete starting cash picture.
Estimated remaining funds due at closing
$260,878No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$249,900.94
Your down payment$249,900.94
Closing costs + prepaids$10,977.40
Total buyer cash needed$260,878.34
Remaining funds due$260,878.34
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%)$4,400.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$950.50
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$54.75
Prepaid interest, first (25 days)$354.16
Fees + prepaids$10,977.40
Your down payment is the seller’s equity. You take over the $190,099 balance, so the rest of the $440,000 price is paid at closing. A second mortgage can cover part of it. $260,878.34 is due at closing. Uses and sources reconcile at $450,977.40 each. Not a Closing Disclosure.