Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$270,968Cash toward the purchase price.
Closing costs + prepaids$15,441Not just lender fees.
Before credits & paid funds$286,409The complete starting cash picture.
Estimated remaining funds due at closing
$286,409No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$270,967.63
Your down payment$270,967.63
Closing costs + prepaids$15,441.11
Total buyer cash needed$286,408.74
Remaining funds due$286,408.74
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%)$5,299.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,295.16
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,325.00
Initial HOA (3 months)$1,542.00
Prepaid interest, first (24 days)$510.97
Fees + prepaids$15,441.11
Your down payment is the seller’s equity. You take over the $259,031 balance, so the rest of the $529,999 price is paid at closing. A second mortgage can cover part of it. $286,408.74 is due at closing. Uses and sources reconcile at $545,440.11 each. Not a Closing Disclosure.