Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$241,291Cash toward the purchase price.
Closing costs + prepaids$11,222Not just lender fees.
Before credits & paid funds$252,513The complete starting cash picture.
Estimated remaining funds due at closing
$252,513No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$241,291.01
Your down payment$241,291.01
Closing costs + prepaids$11,221.74
Total buyer cash needed$252,512.75
Remaining funds due$252,512.75
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%)$3,790.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$688.54
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$947.50
Prepaid interest, first (22 days)$577.70
Fees + prepaids$11,221.74
Your down payment is the seller’s equity. You take over the $137,709 balance, so the rest of the $379,000 price is paid at closing. A second mortgage can cover part of it. $252,512.75 is due at closing. Uses and sources reconcile at $390,221.74 each. Not a Closing Disclosure.