Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$264,701Cash toward the purchase price.
Closing costs + prepaids$13,559Not just lender fees.
Before credits & paid funds$278,260The complete starting cash picture.
Estimated remaining funds due at closing
$278,260No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$264,701.47
Your down payment$264,701.47
Closing costs + prepaids$13,558.77
Total buyer cash needed$278,260.24
Remaining funds due$278,260.24
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%)$5,249.95
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,301.47
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$819.25
Initial HOA (3 months)$210.00
Prepaid interest, first (23 days)$510.10
Fees + prepaids$13,558.77
Your down payment is the seller’s equity. You take over the $260,294 balance, so the rest of the $524,995 price is paid at closing. A second mortgage can cover part of it. $278,260.24 is due at closing. Uses and sources reconcile at $538,553.77 each. Not a Closing Disclosure.