Follow the dollars · Assumption only
A complete cash picture for Dec 12, 2026
Your down payment$243,064Cash toward the purchase price.
Closing costs + prepaids$11,038Not just lender fees.
Before credits & paid funds$254,102The complete starting cash picture.
Estimated remaining funds due at closing
$254,102No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$243,063.98
Your down payment$243,063.98
Closing costs + prepaids$11,038.48
Total buyer cash needed$254,102.46
Remaining funds due$254,102.46
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%)$4,150.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$859.68
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$469.75
Prepaid interest, first (20 days)$341.05
Fees + prepaids$11,038.48
Your down payment is the seller’s equity. You take over the $171,936 balance, so the rest of the $415,000 price is paid at closing. A second mortgage can cover part of it. $254,102.46 is due at closing. Uses and sources reconcile at $426,038.48 each. Not a Closing Disclosure.