Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$263,046Cash toward the purchase price.
Closing costs + prepaids$10,447Not just lender fees.
Before credits & paid funds$273,493The complete starting cash picture.
Estimated remaining funds due at closing
$273,493No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$263,046.05
Your down payment$263,046.05
Closing costs + prepaids$10,447.10
Total buyer cash needed$273,493.15
Remaining funds due$273,493.15
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%)$3,980.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$674.77
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$477.50
Prepaid interest, first (9 days)$96.83
Fees + prepaids$10,447.10
Your down payment is the seller’s equity. You take over the $134,954 balance, so the rest of the $398,000 price is paid at closing. A second mortgage can cover part of it. $273,493.15 is due at closing. Uses and sources reconcile at $408,447.10 each. Not a Closing Disclosure.