Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$269,707Cash toward the purchase price.
Closing costs + prepaids$11,018Not just lender fees.
Before credits & paid funds$280,725The complete starting cash picture.
Estimated remaining funds due at closing
$280,725No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$269,707.23
Your down payment$269,707.23
Closing costs + prepaids$11,018.14
Total buyer cash needed$280,725.37
Remaining funds due$280,725.37
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%)$4,080.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$691.46
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$426.75
Initial HOA (3 months)$180.00
Prepaid interest, first (29 days)$421.93
Fees + prepaids$11,018.14
Your down payment is the seller’s equity. You take over the $138,293 balance, so the rest of the $408,000 price is paid at closing. A second mortgage can cover part of it. $280,725.37 is due at closing. Uses and sources reconcile at $419,018.14 each. Not a Closing Disclosure.