Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$240,911Cash toward the purchase price.
Closing costs + prepaids$10,551Not just lender fees.
Before credits & paid funds$251,461The complete starting cash picture.
Estimated remaining funds due at closing
$251,461No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$240,910.61
Your down payment$240,910.61
Closing costs + prepaids$10,550.56
Total buyer cash needed$251,461.17
Remaining funds due$251,461.17
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%)$3,790.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$690.45
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$454.75
Initial HOA (3 months)$285.00
Prepaid interest, first (10 days)$112.36
Fees + prepaids$10,550.56
Your down payment is the seller’s equity. You take over the $138,089 balance, so the rest of the $379,000 price is paid at closing. A second mortgage can cover part of it. $251,461.17 is due at closing. Uses and sources reconcile at $389,550.56 each. Not a Closing Disclosure.