Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$240,255Cash toward the purchase price.
Closing costs + prepaids$11,722Not just lender fees.
Before credits & paid funds$251,977The complete starting cash picture.
Estimated remaining funds due at closing
$251,977No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$240,254.95
Your down payment$240,254.95
Closing costs + prepaids$11,722.47
Total buyer cash needed$251,977.42
Remaining funds due$251,977.42
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%)$848.73
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$548.00
Initial HOA (3 months)$645.00
Prepaid interest, first (26 days)$362.74
Fees + prepaids$11,722.47
Your down payment is the seller’s equity. You take over the $169,745 balance, so the rest of the $410,000 price is paid at closing. A second mortgage can cover part of it. $251,977.42 is due at closing. Uses and sources reconcile at $421,722.47 each. Not a Closing Disclosure.