Follow the dollars · Assumption only
A complete cash picture for Dec 12, 2026
Your down payment$251,122Cash toward the purchase price.
Closing costs + prepaids$11,522Not just lender fees.
Before credits & paid funds$262,644The complete starting cash picture.
Estimated remaining funds due at closing
$262,644No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$251,121.75
Your down payment$251,121.75
Closing costs + prepaids$11,522.14
Total buyer cash needed$262,643.89
Remaining funds due$262,643.89
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%)$4,100.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$794.39
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$463.25
Initial HOA (3 months)$627.00
Prepaid interest, first (20 days)$319.50
Fees + prepaids$11,522.14
Your down payment is the seller’s equity. You take over the $158,878 balance, so the rest of the $410,000 price is paid at closing. A second mortgage can cover part of it. $262,643.89 is due at closing. Uses and sources reconcile at $421,522.14 each. Not a Closing Disclosure.