Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$251,585Cash toward the purchase price.
Closing costs + prepaids$10,756Not just lender fees.
Before credits & paid funds$262,341The complete starting cash picture.
Estimated remaining funds due at closing
$262,341No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$251,585.20
Your down payment$251,585.20
Closing costs + prepaids$10,755.69
Total buyer cash needed$262,340.89
Remaining funds due$262,340.89
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%)$3,790.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$637.07
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$475.75
Initial HOA (3 months)$261.00
Prepaid interest, first (30 days)$373.87
Fees + prepaids$10,755.69
Your down payment is the seller’s equity. You take over the $127,415 balance, so the rest of the $379,000 price is paid at closing. A second mortgage can cover part of it. $262,340.89 is due at closing. Uses and sources reconcile at $389,755.69 each. Not a Closing Disclosure.