Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$238,944Cash toward the purchase price.
Closing costs + prepaids$8,877Not just lender fees.
Before credits & paid funds$247,822The complete starting cash picture.
Estimated remaining funds due at closing
$247,822No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$238,944.45
Your down payment$238,944.45
Closing costs + prepaids$8,877.50
Total buyer cash needed$247,821.95
Remaining funds due$247,821.95
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%)$2,797.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$203.78
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$492.00
Prepaid interest, first (27 days)$166.72
Fees + prepaids$8,877.50
Your down payment is the seller’s equity. You take over the $40,756 balance, so the rest of the $279,700 price is paid at closing. A second mortgage can cover part of it. $247,821.95 is due at closing. Uses and sources reconcile at $288,577.50 each. Not a Closing Disclosure.