Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$268,401Cash toward the purchase price.
Closing costs + prepaids$10,666Not just lender fees.
Before credits & paid funds$279,067The complete starting cash picture.
Estimated remaining funds due at closing
$279,067No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$268,401.10
Your down payment$268,401.10
Closing costs + prepaids$10,666.29
Total buyer cash needed$279,067.39
Remaining funds due$279,067.39
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%)$3,850.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$582.99
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$365.75
Initial HOA (3 months)$225.00
Prepaid interest, first (30 days)$424.55
Fees + prepaids$10,666.29
Your down payment is the seller’s equity. You take over the $116,599 balance, so the rest of the $385,000 price is paid at closing. A second mortgage can cover part of it. $279,067.39 is due at closing. Uses and sources reconcile at $395,666.29 each. Not a Closing Disclosure.