Follow the dollars · Assumption only
A complete cash picture for Dec 28, 2026
Your down payment$289,104Cash toward the purchase price.
Closing costs + prepaids$10,826Not just lender fees.
Before credits & paid funds$299,930The complete starting cash picture.
Estimated remaining funds due at closing
$299,930No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$289,104.24
Your down payment$289,104.24
Closing costs + prepaids$10,825.94
Total buyer cash needed$299,930.18
Remaining funds due$299,930.18
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%)$3,999.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$553.98
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,019.75
Prepaid interest, first (4 days)$35.21
Fees + prepaids$10,825.94
Your down payment is the seller’s equity. You take over the $110,796 balance, so the rest of the $399,900 price is paid at closing. A second mortgage can cover part of it. $299,930.18 is due at closing. Uses and sources reconcile at $410,725.94 each. Not a Closing Disclosure.