Follow the dollars · Assumption only
A complete cash picture for Dec 16, 2026
Your down payment$255,023Cash toward the purchase price.
Closing costs + prepaids$10,748Not just lender fees.
Before credits & paid funds$265,771The complete starting cash picture.
Estimated remaining funds due at closing
$265,771No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$255,022.69
Your down payment$255,022.69
Closing costs + prepaids$10,748.01
Total buyer cash needed$265,770.69
Remaining funds due$265,770.69
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%)$4,099.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$774.39
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$512.50
Initial HOA (3 months)$99.99
Prepaid interest, first (16 days)$44.13
Fees + prepaids$10,748.01
Your down payment is the seller’s equity. You take over the $154,877 balance, so the rest of the $409,900 price is paid at closing. A second mortgage can cover part of it. $265,770.69 is due at closing. Uses and sources reconcile at $420,648.01 each. Not a Closing Disclosure.