Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$264,859Cash toward the purchase price.
Closing costs + prepaids$14,811Not just lender fees.
Before credits & paid funds$279,670The complete starting cash picture.
Estimated remaining funds due at closing
$279,670No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$264,858.77
Your down payment$264,858.77
Closing costs + prepaids$14,811.23
Total buyer cash needed$279,670.00
Remaining funds due$279,670.00
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%)$5,677.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,514.21
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$942.75
Initial HOA (3 months)$510.00
Prepaid interest, first (28 days)$699.27
Fees + prepaids$14,811.23
Your down payment is the seller’s equity. You take over the $302,841 balance, so the rest of the $567,700 price is paid at closing. A second mortgage can cover part of it. $279,670.00 is due at closing. Uses and sources reconcile at $582,511.23 each. Not a Closing Disclosure.