Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$242,788Cash toward the purchase price.
Closing costs + prepaids$10,665Not just lender fees.
Before credits & paid funds$253,453The complete starting cash picture.
Estimated remaining funds due at closing
$253,453No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$242,788.34
Your down payment$242,788.34
Closing costs + prepaids$10,664.71
Total buyer cash needed$253,453.05
Remaining funds due$253,453.05
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%)$3,999.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$786.05
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$332.25
Prepaid interest, first (25 days)$328.42
Fees + prepaids$10,664.71
Your down payment is the seller’s equity. You take over the $157,211 balance, so the rest of the $399,999 price is paid at closing. A second mortgage can cover part of it. $253,453.05 is due at closing. Uses and sources reconcile at $410,663.71 each. Not a Closing Disclosure.