Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$282,945Cash toward the purchase price.
Closing costs + prepaids$10,598Not just lender fees.
Before credits & paid funds$293,543The complete starting cash picture.
Estimated remaining funds due at closing
$293,543No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$282,945.08
Your down payment$282,945.08
Closing costs + prepaids$10,598.13
Total buyer cash needed$293,543.22
Remaining funds due$293,543.22
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%)$3,950.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$560.27
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$541.00
Prepaid interest, first (26 days)$328.86
Fees + prepaids$10,598.13
Your down payment is the seller’s equity. You take over the $112,055 balance, so the rest of the $395,000 price is paid at closing. A second mortgage can cover part of it. $293,543.22 is due at closing. Uses and sources reconcile at $405,598.13 each. Not a Closing Disclosure.