Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$250,115Cash toward the purchase price.
Closing costs + prepaids$10,410Not just lender fees.
Before credits & paid funds$260,525The complete starting cash picture.
Estimated remaining funds due at closing
$260,525No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$250,114.65
Your down payment$250,114.65
Closing costs + prepaids$10,409.93
Total buyer cash needed$260,524.58
Remaining funds due$260,524.58
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%)$3,899.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$698.93
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$468.00
Prepaid interest, first (10 days)$126.00
Fees + prepaids$10,409.93
Your down payment is the seller’s equity. You take over the $139,785 balance, so the rest of the $389,900 price is paid at closing. A second mortgage can cover part of it. $260,524.58 is due at closing. Uses and sources reconcile at $400,309.93 each. Not a Closing Disclosure.