Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$275,655Cash toward the purchase price.
Closing costs + prepaids$13,663Not just lender fees.
Before credits & paid funds$289,318The complete starting cash picture.
Estimated remaining funds due at closing
$289,318No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$275,655.43
Your down payment$275,655.43
Closing costs + prepaids$13,662.81
Total buyer cash needed$289,318.24
Remaining funds due$289,318.24
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%)$5,249.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,246.22
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,086.75
Initial HOA (3 months)$66.00
Prepaid interest, first (22 days)$546.84
Fees + prepaids$13,662.81
Your down payment is the seller’s equity. You take over the $249,245 balance, so the rest of the $524,900 price is paid at closing. A second mortgage can cover part of it. $289,318.24 is due at closing. Uses and sources reconcile at $538,562.81 each. Not a Closing Disclosure.