Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$263,595Cash toward the purchase price.
Closing costs + prepaids$14,017Not just lender fees.
Before credits & paid funds$277,612The complete starting cash picture.
Estimated remaining funds due at closing
$277,612No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$263,594.90
Your down payment$263,594.90
Closing costs + prepaids$14,016.94
Total buyer cash needed$277,611.84
Remaining funds due$277,611.84
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%)$5,290.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,327.03
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,322.50
Prepaid interest, first (29 days)$609.41
Fees + prepaids$14,016.94
Your down payment is the seller’s equity. You take over the $265,405 balance, so the rest of the $529,000 price is paid at closing. A second mortgage can cover part of it. $277,611.84 is due at closing. Uses and sources reconcile at $543,016.94 each. Not a Closing Disclosure.