Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$250,115Cash toward the purchase price.
Closing costs + prepaids$10,452Not just lender fees.
Before credits & paid funds$260,567The complete starting cash picture.
Estimated remaining funds due at closing
$260,567No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$250,114.65
Your down payment$250,114.65
Closing costs + prepaids$10,452.27
Total buyer cash needed$260,566.92
Remaining funds due$260,566.92
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%)$3,899.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$698.93
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$245.75
Prepaid interest, first (31 days)$390.59
Fees + prepaids$10,452.27
Your down payment is the seller’s equity. You take over the $139,785 balance, so the rest of the $389,900 price is paid at closing. A second mortgage can cover part of it. $260,566.92 is due at closing. Uses and sources reconcile at $400,352.27 each. Not a Closing Disclosure.