Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$276,251Cash toward the purchase price.
Closing costs + prepaids$13,679Not just lender fees.
Before credits & paid funds$289,930The complete starting cash picture.
Estimated remaining funds due at closing
$289,930No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$276,251.32
Your down payment$276,251.32
Closing costs + prepaids$13,679.17
Total buyer cash needed$289,930.49
Remaining funds due$289,930.49
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%)$5,499.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,368.74
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$538.00
Initial HOA (3 months)$180.00
Prepaid interest, first (23 days)$624.44
Fees + prepaids$13,679.17
Your down payment is the seller’s equity. You take over the $273,748 balance, so the rest of the $549,999 price is paid at closing. A second mortgage can cover part of it. $289,930.49 is due at closing. Uses and sources reconcile at $563,678.17 each. Not a Closing Disclosure.