Follow the dollars · Assumption only
A complete cash picture for Dec 27, 2026
Your down payment$234,236Cash toward the purchase price.
Closing costs + prepaids$13,044Not just lender fees.
Before credits & paid funds$247,281The complete starting cash picture.
Estimated remaining funds due at closing
$247,281No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$234,236.36
Your down payment$234,236.36
Closing costs + prepaids$13,044.18
Total buyer cash needed$247,280.54
Remaining funds due$247,280.54
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%)$3,950.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$803.82
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,007.25
Initial HOA (3 months)$1,992.00
Prepaid interest, first (5 days)$73.11
Fees + prepaids$13,044.18
Your down payment is the seller’s equity. You take over the $160,764 balance, so the rest of the $395,000 price is paid at closing. A second mortgage can cover part of it. $247,280.54 is due at closing. Uses and sources reconcile at $408,044.18 each. Not a Closing Disclosure.