Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$259,681Cash toward the purchase price.
Closing costs + prepaids$10,520Not just lender fees.
Before credits & paid funds$270,201The complete starting cash picture.
Estimated remaining funds due at closing
$270,201No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$259,680.82
Your down payment$259,680.82
Closing costs + prepaids$10,520.49
Total buyer cash needed$270,201.31
Remaining funds due$270,201.31
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%)$3,749.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$576.10
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$137.50
Initial HOA (3 months)$570.00
Prepaid interest, first (25 days)$269.90
Fees + prepaids$10,520.49
Your down payment is the seller’s equity. You take over the $115,219 balance, so the rest of the $374,900 price is paid at closing. A second mortgage can cover part of it. $270,201.31 is due at closing. Uses and sources reconcile at $385,420.49 each. Not a Closing Disclosure.