Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$270,742Cash toward the purchase price.
Closing costs + prepaids$10,898Not just lender fees.
Before credits & paid funds$281,639The complete starting cash picture.
Estimated remaining funds due at closing
$281,639No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$270,741.59
Your down payment$270,741.59
Closing costs + prepaids$10,897.59
Total buyer cash needed$281,639.18
Remaining funds due$281,639.18
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%)$3,950.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$621.29
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$673.50
Prepaid interest, first (31 days)$434.80
Fees + prepaids$10,897.59
Your down payment is the seller’s equity. You take over the $124,258 balance, so the rest of the $395,000 price is paid at closing. A second mortgage can cover part of it. $281,639.18 is due at closing. Uses and sources reconcile at $405,897.59 each. Not a Closing Disclosure.