Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$265,006Cash toward the purchase price.
Closing costs + prepaids$15,282Not just lender fees.
Before credits & paid funds$280,287The complete starting cash picture.
Estimated remaining funds due at closing
$280,287No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$265,005.61
Your down payment$265,005.61
Closing costs + prepaids$15,281.74
Total buyer cash needed$280,287.35
Remaining funds due$280,287.35
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%)$5,999.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,674.97
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,409.00
Initial HOA (3 months)$120.00
Prepaid interest, first (22 days)$609.78
Fees + prepaids$15,281.74
Your down payment is the seller’s equity. You take over the $334,993 balance, so the rest of the $599,999 price is paid at closing. A second mortgage can cover part of it. $280,287.35 is due at closing. Uses and sources reconcile at $615,280.74 each. Not a Closing Disclosure.