Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$255,844Cash toward the purchase price.
Closing costs + prepaids$10,751Not just lender fees.
Before credits & paid funds$266,595The complete starting cash picture.
Estimated remaining funds due at closing
$266,595No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$255,844.19
Your down payment$255,844.19
Closing costs + prepaids$10,750.54
Total buyer cash needed$266,594.73
Remaining funds due$266,594.73
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%)$3,990.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$715.78
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$478.75
Initial HOA (3 months)$240.00
Prepaid interest, first (9 days)$108.01
Fees + prepaids$10,750.54
Your down payment is the seller’s equity. You take over the $143,156 balance, so the rest of the $399,000 price is paid at closing. A second mortgage can cover part of it. $266,594.73 is due at closing. Uses and sources reconcile at $409,750.54 each. Not a Closing Disclosure.