Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$259,571Cash toward the purchase price.
Closing costs + prepaids$8,907Not just lender fees.
Before credits & paid funds$268,478The complete starting cash picture.
Estimated remaining funds due at closing
$268,478No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$259,571.20
Your down payment$259,571.20
Closing costs + prepaids$8,906.82
Total buyer cash needed$268,478.02
Remaining funds due$268,478.02
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%)$2,800.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$102.14
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$744.00
Prepaid interest, first (25 days)$42.68
Fees + prepaids$8,906.82
Your down payment is the seller’s equity. You take over the $20,429 balance, so the rest of the $280,000 price is paid at closing. A second mortgage can cover part of it. $268,478.02 is due at closing. Uses and sources reconcile at $288,906.82 each. Not a Closing Disclosure.