Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$263,995Cash toward the purchase price.
Closing costs + prepaids$14,201Not just lender fees.
Before credits & paid funds$278,196The complete starting cash picture.
Estimated remaining funds due at closing
$278,196No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$263,994.86
Your down payment$263,994.86
Closing costs + prepaids$14,200.78
Total buyer cash needed$278,195.64
Remaining funds due$278,195.64
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%)$5,300.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,330.03
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,325.00
Prepaid interest, first (29 days)$777.76
Fees + prepaids$14,200.78
Your down payment is the seller’s equity. You take over the $266,005 balance, so the rest of the $530,000 price is paid at closing. A second mortgage can cover part of it. $278,195.64 is due at closing. Uses and sources reconcile at $544,200.78 each. Not a Closing Disclosure.