Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$257,180Cash toward the purchase price.
Closing costs + prepaids$10,217Not just lender fees.
Before credits & paid funds$267,396The complete starting cash picture.
Estimated remaining funds due at closing
$267,396No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$257,179.56
Your down payment$257,179.56
Closing costs + prepaids$10,216.57
Total buyer cash needed$267,396.13
Remaining funds due$267,396.13
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%)$3,550.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$489.10
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$553.00
Initial HOA (3 months)$27.51
Prepaid interest, first (28 days)$378.95
Fees + prepaids$10,216.57
Your down payment is the seller’s equity. You take over the $97,820 balance, so the rest of the $355,000 price is paid at closing. A second mortgage can cover part of it. $267,396.13 is due at closing. Uses and sources reconcile at $365,216.57 each. Not a Closing Disclosure.