Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$304,967Cash toward the purchase price.
Closing costs + prepaids$10,087Not just lender fees.
Before credits & paid funds$315,054The complete starting cash picture.
Estimated remaining funds due at closing
$315,054No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$304,967.19
Your down payment$304,967.19
Closing costs + prepaids$10,086.92
Total buyer cash needed$315,054.12
Remaining funds due$315,054.12
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%)$3,900.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$425.16
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$468.00
Prepaid interest, first (12 days)$75.76
Fees + prepaids$10,086.92
Your down payment is the seller’s equity. You take over the $85,033 balance, so the rest of the $390,000 price is paid at closing. A second mortgage can cover part of it. $315,054.12 is due at closing. Uses and sources reconcile at $400,086.92 each. Not a Closing Disclosure.