Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$249,573Cash toward the purchase price.
Closing costs + prepaids$10,077Not just lender fees.
Before credits & paid funds$259,650The complete starting cash picture.
Estimated remaining funds due at closing
$259,650No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$249,572.96
Your down payment$249,572.96
Closing costs + prepaids$10,077.03
Total buyer cash needed$259,649.99
Remaining funds due$259,649.99
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%)$3,899.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$701.64
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$245.75
Prepaid interest, first (1 days)$12.65
Fees + prepaids$10,077.03
Your down payment is the seller’s equity. You take over the $140,327 balance, so the rest of the $389,900 price is paid at closing. A second mortgage can cover part of it. $259,649.99 is due at closing. Uses and sources reconcile at $399,977.03 each. Not a Closing Disclosure.