Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$266,247Cash toward the purchase price.
Closing costs + prepaids$14,140Not just lender fees.
Before credits & paid funds$280,387The complete starting cash picture.
Estimated remaining funds due at closing
$280,387No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$266,246.87
Your down payment$266,246.87
Closing costs + prepaids$14,140.00
Total buyer cash needed$280,386.87
Remaining funds due$280,386.87
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%)$5,800.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,568.77
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$597.25
Initial HOA (3 months)$150.00
Prepaid interest, first (22 days)$555.99
Fees + prepaids$14,140.00
Your down payment is the seller’s equity. You take over the $313,753 balance, so the rest of the $580,000 price is paid at closing. A second mortgage can cover part of it. $280,386.87 is due at closing. Uses and sources reconcile at $594,140.00 each. Not a Closing Disclosure.