Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$248,306Cash toward the purchase price.
Closing costs + prepaids$10,402Not just lender fees.
Before credits & paid funds$258,708The complete starting cash picture.
Estimated remaining funds due at closing
$258,708No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$248,305.96
Your down payment$248,305.96
Closing costs + prepaids$10,401.97
Total buyer cash needed$258,707.93
Remaining funds due$258,707.93
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%)$683.47
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 (27 days)$385.25
Fees + prepaids$10,401.97
Your down payment is the seller’s equity. You take over the $136,694 balance, so the rest of the $385,000 price is paid at closing. A second mortgage can cover part of it. $258,707.93 is due at closing. Uses and sources reconcile at $395,401.97 each. Not a Closing Disclosure.