Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$239,283Cash toward the purchase price.
Closing costs + prepaids$10,675Not just lender fees.
Before credits & paid funds$249,958The complete starting cash picture.
Estimated remaining funds due at closing
$249,958No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$239,282.86
Your down payment$239,282.86
Closing costs + prepaids$10,674.66
Total buyer cash needed$249,957.52
Remaining funds due$249,957.52
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%)$798.59
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)$54.99
Prepaid interest, first (10 days)$134.34
Fees + prepaids$10,674.66
Your down payment is the seller’s equity. You take over the $159,717 balance, so the rest of the $399,000 price is paid at closing. A second mortgage can cover part of it. $249,957.52 is due at closing. Uses and sources reconcile at $409,674.66 each. Not a Closing Disclosure.