Follow the dollars · Assumption only
A complete cash picture for Dec 13, 2026
Your down payment$285,975Cash toward the purchase price.
Closing costs + prepaids$10,471Not just lender fees.
Before credits & paid funds$296,446The complete starting cash picture.
Estimated remaining funds due at closing
$296,446No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$285,974.57
Your down payment$285,974.57
Closing costs + prepaids$10,471.29
Total buyer cash needed$296,445.86
Remaining funds due$296,445.86
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%)$3,990.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$565.13
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$263.00
Initial HOA (3 months)$201.00
Prepaid interest, first (19 days)$234.16
Fees + prepaids$10,471.29
Your down payment is the seller’s equity. You take over the $113,025 balance, so the rest of the $399,000 price is paid at closing. A second mortgage can cover part of it. $296,445.86 is due at closing. Uses and sources reconcile at $409,471.29 each. Not a Closing Disclosure.