Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$268,553Cash toward the purchase price.
Closing costs + prepaids$10,330Not just lender fees.
Before credits & paid funds$278,884The complete starting cash picture.
Estimated remaining funds due at closing
$278,884No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$268,553.41
Your down payment$268,553.41
Closing costs + prepaids$10,330.18
Total buyer cash needed$278,883.59
Remaining funds due$278,883.59
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%)$3,850.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$582.23
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$481.25
Prepaid interest, first (18 days)$198.69
Fees + prepaids$10,330.18
Your down payment is the seller’s equity. You take over the $116,447 balance, so the rest of the $385,000 price is paid at closing. A second mortgage can cover part of it. $278,883.59 is due at closing. Uses and sources reconcile at $395,330.18 each. Not a Closing Disclosure.