Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$237,462Cash toward the purchase price.
Closing costs + prepaids$10,766Not just lender fees.
Before credits & paid funds$248,228The complete starting cash picture.
Estimated remaining funds due at closing
$248,228No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$237,462.38
Your down payment$237,462.38
Closing costs + prepaids$10,765.85
Total buyer cash needed$248,228.23
Remaining funds due$248,228.23
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%)$4,000.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$812.69
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$480.00
Prepaid interest, first (10 days)$255.16
Fees + prepaids$10,765.85
Your down payment is the seller’s equity. You take over the $162,538 balance, so the rest of the $400,000 price is paid at closing. A second mortgage can cover part of it. $248,228.23 is due at closing. Uses and sources reconcile at $410,765.85 each. Not a Closing Disclosure.