Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$251,818Cash toward the purchase price.
Closing costs + prepaids$10,579Not just lender fees.
Before credits & paid funds$262,397The complete starting cash picture.
Estimated remaining funds due at closing
$262,397No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$251,817.99
Your down payment$251,817.99
Closing costs + prepaids$10,578.92
Total buyer cash needed$262,396.91
Remaining funds due$262,396.91
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%)$3,985.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$733.41
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$310.25
Prepaid interest, first (26 days)$332.26
Fees + prepaids$10,578.92
Your down payment is the seller’s equity. You take over the $146,682 balance, so the rest of the $398,500 price is paid at closing. A second mortgage can cover part of it. $262,396.91 is due at closing. Uses and sources reconcile at $409,078.92 each. Not a Closing Disclosure.