Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$268,553Cash toward the purchase price.
Closing costs + prepaids$10,451Not just lender fees.
Before credits & paid funds$279,004The complete starting cash picture.
Estimated remaining funds due at closing
$279,004No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$268,553.41
Your down payment$268,553.41
Closing costs + prepaids$10,451.06
Total buyer cash needed$279,004.47
Remaining funds due$279,004.47
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%)$3,850.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$582.23
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$491.75
Prepaid interest, first (28 days)$309.08
Fees + prepaids$10,451.06
Your down payment is the seller’s equity. You take over the $116,447 balance, so the rest of the $385,000 price is paid at closing. A second mortgage can cover part of it. $279,004.47 is due at closing. Uses and sources reconcile at $395,451.06 each. Not a Closing Disclosure.