Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$248,248Cash toward the purchase price.
Closing costs + prepaids$11,028Not just lender fees.
Before credits & paid funds$259,276The complete starting cash picture.
Estimated remaining funds due at closing
$259,276No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$248,248.11
Your down payment$248,248.11
Closing costs + prepaids$11,028.03
Total buyer cash needed$259,276.14
Remaining funds due$259,276.14
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%)$3,999.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$758.26
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$444.50
Prepaid interest, first (30 days)$608.27
Fees + prepaids$11,028.03
Your down payment is the seller’s equity. You take over the $151,652 balance, so the rest of the $399,900 price is paid at closing. A second mortgage can cover part of it. $259,276.14 is due at closing. Uses and sources reconcile at $410,928.03 each. Not a Closing Disclosure.