Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$291,661Cash toward the purchase price.
Closing costs + prepaids$10,367Not just lender fees.
Before credits & paid funds$302,028The complete starting cash picture.
Estimated remaining funds due at closing
$302,028No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$291,660.70
Your down payment$291,660.70
Closing costs + prepaids$10,367.48
Total buyer cash needed$302,028.18
Remaining funds due$302,028.18
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%)$3,999.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$541.20
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$355.00
Prepaid interest, first (25 days)$254.29
Fees + prepaids$10,367.48
Your down payment is the seller’s equity. You take over the $108,239 balance, so the rest of the $399,900 price is paid at closing. A second mortgage can cover part of it. $302,028.18 is due at closing. Uses and sources reconcile at $410,267.48 each. Not a Closing Disclosure.