Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$265,910Cash toward the purchase price.
Closing costs + prepaids$13,093Not just lender fees.
Before credits & paid funds$279,002The complete starting cash picture.
Estimated remaining funds due at closing
$279,002No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$265,909.50
Your down payment$265,909.50
Closing costs + prepaids$13,092.71
Total buyer cash needed$279,002.21
Remaining funds due$279,002.21
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%)$5,400.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,370.45
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$365.25
Prepaid interest, first (22 days)$489.01
Fees + prepaids$13,092.71
Your down payment is the seller’s equity. You take over the $274,090 balance, so the rest of the $540,000 price is paid at closing. A second mortgage can cover part of it. $279,002.21 is due at closing. Uses and sources reconcile at $553,092.71 each. Not a Closing Disclosure.