Follow the dollars · Assumption only
A complete cash picture for Dec 11, 2026
Your down payment$243,712Cash toward the purchase price.
Closing costs + prepaids$10,965Not just lender fees.
Before credits & paid funds$254,678The complete starting cash picture.
Estimated remaining funds due at closing
$254,678No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$243,712.25
Your down payment$243,712.25
Closing costs + prepaids$10,965.34
Total buyer cash needed$254,677.59
Remaining funds due$254,677.59
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%)$4,050.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$806.44
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$522.50
Prepaid interest, first (21 days)$368.40
Fees + prepaids$10,965.34
Your down payment is the seller’s equity. You take over the $161,288 balance, so the rest of the $405,000 price is paid at closing. A second mortgage can cover part of it. $254,677.59 is due at closing. Uses and sources reconcile at $415,965.34 each. Not a Closing Disclosure.