Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$262,864Cash toward the purchase price.
Closing costs + prepaids$10,124Not just lender fees.
Before credits & paid funds$272,989The complete starting cash picture.
Estimated remaining funds due at closing
$272,989No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$262,864.05
Your down payment$262,864.05
Closing costs + prepaids$10,124.46
Total buyer cash needed$272,988.51
Remaining funds due$272,988.51
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%)$3,799.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$585.18
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$229.50
Prepaid interest, first (23 days)$292.78
Fees + prepaids$10,124.46
Your down payment is the seller’s equity. You take over the $117,036 balance, so the rest of the $379,900 price is paid at closing. A second mortgage can cover part of it. $272,988.51 is due at closing. Uses and sources reconcile at $390,024.46 each. Not a Closing Disclosure.