Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$249,957Cash toward the purchase price.
Closing costs + prepaids$10,844Not just lender fees.
Before credits & paid funds$260,801The complete starting cash picture.
Estimated remaining funds due at closing
$260,801No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$249,957.39
Your down payment$249,957.39
Closing costs + prepaids$10,843.51
Total buyer cash needed$260,800.90
Remaining funds due$260,800.90
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%)$4,050.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$775.21
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$378.50
Prepaid interest, first (30 days)$421.80
Fees + prepaids$10,843.51
Your down payment is the seller’s equity. You take over the $155,043 balance, so the rest of the $405,000 price is paid at closing. A second mortgage can cover part of it. $260,800.90 is due at closing. Uses and sources reconcile at $415,843.51 each. Not a Closing Disclosure.