Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$271,419Cash toward the purchase price.
Closing costs + prepaids$10,252Not just lender fees.
Before credits & paid funds$281,671The complete starting cash picture.
Estimated remaining funds due at closing
$281,671No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$271,418.54
Your down payment$271,418.54
Closing costs + prepaids$10,252.24
Total buyer cash needed$281,670.78
Remaining funds due$281,670.78
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%)$3,849.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$567.41
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$273.75
Prepaid interest, first (31 days)$344.08
Fees + prepaids$10,252.24
Your down payment is the seller’s equity. You take over the $113,481 balance, so the rest of the $384,900 price is paid at closing. A second mortgage can cover part of it. $281,670.78 is due at closing. Uses and sources reconcile at $395,152.24 each. Not a Closing Disclosure.