Follow the dollars · Assumption only
A complete cash picture for Dec 12, 2026
Your down payment$252,131Cash toward the purchase price.
Closing costs + prepaids$10,595Not just lender fees.
Before credits & paid funds$262,726The complete starting cash picture.
Estimated remaining funds due at closing
$262,726No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$252,130.94
Your down payment$252,130.94
Closing costs + prepaids$10,594.87
Total buyer cash needed$262,725.81
Remaining funds due$262,725.81
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%)$3,745.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$611.85
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$349.50
Initial HOA (3 months)$405.00
Prepaid interest, first (20 days)$265.52
Fees + prepaids$10,594.87
Your down payment is the seller’s equity. You take over the $122,369 balance, so the rest of the $374,500 price is paid at closing. A second mortgage can cover part of it. $262,725.81 is due at closing. Uses and sources reconcile at $385,094.87 each. Not a Closing Disclosure.