Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$272,143Cash toward the purchase price.
Closing costs + prepaids$14,717Not just lender fees.
Before credits & paid funds$286,861The complete starting cash picture.
Estimated remaining funds due at closing
$286,861No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$272,143.44
Your down payment$272,143.44
Closing costs + prepaids$14,717.35
Total buyer cash needed$286,860.80
Remaining funds due$286,860.80
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%)$5,814.68
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,546.62
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$802.25
Initial HOA (3 months)$438.00
Prepaid interest, first (26 days)$647.80
Fees + prepaids$14,717.35
Your down payment is the seller’s equity. You take over the $309,325 balance, so the rest of the $581,468 price is paid at closing. A second mortgage can cover part of it. $286,860.80 is due at closing. Uses and sources reconcile at $596,185.35 each. Not a Closing Disclosure.