Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$276,506Cash toward the purchase price.
Closing costs + prepaids$10,118Not just lender fees.
Before credits & paid funds$286,624The complete starting cash picture.
Estimated remaining funds due at closing
$286,624No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$276,506.01
Your down payment$276,506.01
Closing costs + prepaids$10,117.60
Total buyer cash needed$286,623.61
Remaining funds due$286,623.61
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%)$567.47
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$183.25
Prepaid interest, first (23 days)$248.88
Fees + prepaids$10,117.60
Your down payment is the seller’s equity. You take over the $113,494 balance, so the rest of the $390,000 price is paid at closing. A second mortgage can cover part of it. $286,623.61 is due at closing. Uses and sources reconcile at $400,117.60 each. Not a Closing Disclosure.