Follow the dollars · Assumption only
A complete cash picture for Dec 13, 2026
Your down payment$249,913Cash toward the purchase price.
Closing costs + prepaids$10,938Not just lender fees.
Before credits & paid funds$260,851The complete starting cash picture.
Estimated remaining funds due at closing
$260,851No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$249,913.14
Your down payment$249,913.14
Closing costs + prepaids$10,938.32
Total buyer cash needed$260,851.46
Remaining funds due$260,851.46
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%)$4,000.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$750.43
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$458.00
Initial HOA (3 months)$240.00
Prepaid interest, first (19 days)$271.88
Fees + prepaids$10,938.32
Your down payment is the seller’s equity. You take over the $150,087 balance, so the rest of the $400,000 price is paid at closing. A second mortgage can cover part of it. $260,851.46 is due at closing. Uses and sources reconcile at $410,938.32 each. Not a Closing Disclosure.