Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$262,768Cash toward the purchase price.
Closing costs + prepaids$16,154Not just lender fees.
Before credits & paid funds$278,922The complete starting cash picture.
Estimated remaining funds due at closing
$278,922No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$262,767.52
Your down payment$262,767.52
Closing costs + prepaids$16,154.34
Total buyer cash needed$278,921.86
Remaining funds due$278,921.86
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%)$5,749.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,560.66
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,791.50
Initial HOA (3 months)$873.00
Prepaid interest, first (24 days)$712.18
Fees + prepaids$16,154.34
Your down payment is the seller’s equity. You take over the $312,132 balance, so the rest of the $574,900 price is paid at closing. A second mortgage can cover part of it. $278,921.86 is due at closing. Uses and sources reconcile at $591,054.34 each. Not a Closing Disclosure.