Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$267,404Cash toward the purchase price.
Closing costs + prepaids$25,282Not just lender fees.
Before credits & paid funds$292,686The complete starting cash picture.
Estimated remaining funds due at closing
$292,686No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$267,404.01
Your down payment$267,404.01
Closing costs + prepaids$25,282.25
Total buyer cash needed$292,686.26
Remaining funds due$292,686.26
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%)$9,480.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,402.98
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,754.50
Initial HOA (3 months)$549.99
Prepaid interest, first (28 days)$2,876.78
Fees + prepaids$25,282.25
Your down payment is the seller’s equity. You take over the $680,596 balance, so the rest of the $948,000 price is paid at closing. A second mortgage can cover part of it. $292,686.26 is due at closing. Uses and sources reconcile at $973,282.25 each. Not a Closing Disclosure.