Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$251,640Cash toward the purchase price.
Closing costs + prepaids$9,286Not just lender fees.
Before credits & paid funds$260,926The complete starting cash picture.
Estimated remaining funds due at closing
$260,926No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$251,640.02
Your down payment$251,640.02
Closing costs + prepaids$9,286.31
Total buyer cash needed$260,926.33
Remaining funds due$260,926.33
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%)$3,299.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$391.30
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$187.25
Prepaid interest, first (31 days)$190.76
Fees + prepaids$9,286.31
Your down payment is the seller’s equity. You take over the $78,260 balance, so the rest of the $329,900 price is paid at closing. A second mortgage can cover part of it. $260,926.33 is due at closing. Uses and sources reconcile at $339,186.31 each. Not a Closing Disclosure.