Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$259,454Cash toward the purchase price.
Closing costs + prepaids$10,647Not just lender fees.
Before credits & paid funds$270,102The complete starting cash picture.
Estimated remaining funds due at closing
$270,102No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$259,454.33
Your down payment$259,454.33
Closing costs + prepaids$10,647.42
Total buyer cash needed$270,101.75
Remaining funds due$270,101.75
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%)$4,000.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$702.73
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$480.00
Initial HOA (3 months)$93.75
Prepaid interest, first (12 days)$152.94
Fees + prepaids$10,647.42
Your down payment is the seller’s equity. You take over the $140,546 balance, so the rest of the $400,000 price is paid at closing. A second mortgage can cover part of it. $270,101.75 is due at closing. Uses and sources reconcile at $410,647.42 each. Not a Closing Disclosure.