Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$256,997Cash toward the purchase price.
Closing costs + prepaids$11,258Not just lender fees.
Before credits & paid funds$268,254The complete starting cash picture.
Estimated remaining funds due at closing
$268,254No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$256,996.52
Your down payment$256,996.52
Closing costs + prepaids$11,257.52
Total buyer cash needed$268,254.04
Remaining funds due$268,254.04
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%)$4,100.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$765.02
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$758.00
Prepaid interest, first (27 days)$416.50
Fees + prepaids$11,257.52
Your down payment is the seller’s equity. You take over the $153,003 balance, so the rest of the $410,000 price is paid at closing. A second mortgage can cover part of it. $268,254.04 is due at closing. Uses and sources reconcile at $421,257.52 each. Not a Closing Disclosure.