Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$276,605Cash toward the purchase price.
Closing costs + prepaids$16,114Not just lender fees.
Before credits & paid funds$292,719The complete starting cash picture.
Estimated remaining funds due at closing
$292,719No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$276,605.19
Your down payment$276,605.19
Closing costs + prepaids$16,114.31
Total buyer cash needed$292,719.50
Remaining funds due$292,719.50
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%)$6,549.87
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,891.91
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,282.75
Initial HOA (3 months)$255.00
Prepaid interest, first (24 days)$666.78
Fees + prepaids$16,114.31
Your down payment is the seller’s equity. You take over the $378,382 balance, so the rest of the $654,987 price is paid at closing. A second mortgage can cover part of it. $292,719.50 is due at closing. Uses and sources reconcile at $671,101.31 each. Not a Closing Disclosure.