Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$253,396Cash toward the purchase price.
Closing costs + prepaids$9,892Not just lender fees.
Before credits & paid funds$263,288The complete starting cash picture.
Estimated remaining funds due at closing
$263,288No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$253,395.98
Your down payment$253,395.98
Closing costs + prepaids$9,891.60
Total buyer cash needed$263,287.58
Remaining funds due$263,287.58
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%)$3,599.90
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$532.97
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$223.50
Initial HOA (3 months)$87.51
Prepaid interest, first (23 days)$229.72
Fees + prepaids$9,891.60
Your down payment is the seller’s equity. You take over the $106,594 balance, so the rest of the $359,990 price is paid at closing. A second mortgage can cover part of it. $263,287.58 is due at closing. Uses and sources reconcile at $369,881.60 each. Not a Closing Disclosure.