Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$268,201Cash toward the purchase price.
Closing costs + prepaids$13,664Not just lender fees.
Before credits & paid funds$281,866The complete starting cash picture.
Estimated remaining funds due at closing
$281,866No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$268,201.11
Your down payment$268,201.11
Closing costs + prepaids$13,664.47
Total buyer cash needed$281,865.59
Remaining funds due$281,865.59
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%)$5,499.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,408.49
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$737.25
Initial HOA (3 months)$24.99
Prepaid interest, first (25 days)$526.74
Fees + prepaids$13,664.47
Your down payment is the seller’s equity. You take over the $281,699 balance, so the rest of the $549,900 price is paid at closing. A second mortgage can cover part of it. $281,865.59 is due at closing. Uses and sources reconcile at $563,564.47 each. Not a Closing Disclosure.