Follow the dollars · Assumption only
A complete cash picture for Dec 19, 2026
Your down payment$235,551Cash toward the purchase price.
Closing costs + prepaids$10,670Not just lender fees.
Before credits & paid funds$246,221The complete starting cash picture.
Estimated remaining funds due at closing
$246,221No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$235,551.32
Your down payment$235,551.32
Closing costs + prepaids$10,669.53
Total buyer cash needed$246,220.85
Remaining funds due$246,220.85
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%)$817.24
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$498.75
Prepaid interest, first (13 days)$145.54
Fees + prepaids$10,669.53
Your down payment is the seller’s equity. You take over the $163,449 balance, so the rest of the $399,000 price is paid at closing. A second mortgage can cover part of it. $246,220.85 is due at closing. Uses and sources reconcile at $409,669.53 each. Not a Closing Disclosure.