Follow the dollars · Assumption only
A complete cash picture for Dec 12, 2026
Your down payment$287,670Cash toward the purchase price.
Closing costs + prepaids$10,428Not just lender fees.
Before credits & paid funds$298,098The complete starting cash picture.
Estimated remaining funds due at closing
$298,098No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$287,670.29
Your down payment$287,670.29
Closing costs + prepaids$10,427.86
Total buyer cash needed$298,098.15
Remaining funds due$298,098.15
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%)$3,999.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$561.64
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$440.50
Prepaid interest, first (20 days)$207.73
Fees + prepaids$10,427.86
Your down payment is the seller’s equity. You take over the $112,329 balance, so the rest of the $399,999 price is paid at closing. A second mortgage can cover part of it. $298,098.15 is due at closing. Uses and sources reconcile at $410,426.86 each. Not a Closing Disclosure.