Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$261,780Cash toward the purchase price.
Closing costs + prepaids$14,127Not just lender fees.
Before credits & paid funds$275,908The complete starting cash picture.
Estimated remaining funds due at closing
$275,908No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$261,780.10
Your down payment$261,780.10
Closing costs + prepaids$14,127.43
Total buyer cash needed$275,907.53
Remaining funds due$275,907.53
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%)$1,341.10
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,425.75
Prepaid interest, first (24 days)$592.58
Fees + prepaids$14,127.43
Your down payment is the seller’s equity. You take over the $268,220 balance, so the rest of the $530,000 price is paid at closing. A second mortgage can cover part of it. $275,907.53 is due at closing. Uses and sources reconcile at $544,127.43 each. Not a Closing Disclosure.