Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$247,908Cash toward the purchase price.
Closing costs + prepaids$10,033Not just lender fees.
Before credits & paid funds$257,941The complete starting cash picture.
Estimated remaining funds due at closing
$257,941No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$247,907.73
Your down payment$247,907.73
Closing costs + prepaids$10,033.02
Total buyer cash needed$257,940.75
Remaining funds due$257,940.75
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%)$3,850.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$685.46
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$265.25
Prepaid interest, first (1 days)$14.31
Fees + prepaids$10,033.02
Your down payment is the seller’s equity. You take over the $137,092 balance, so the rest of the $385,000 price is paid at closing. A second mortgage can cover part of it. $257,940.75 is due at closing. Uses and sources reconcile at $395,033.02 each. Not a Closing Disclosure.