Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$256,513Cash toward the purchase price.
Closing costs + prepaids$13,674Not just lender fees.
Before credits & paid funds$270,187The complete starting cash picture.
Estimated remaining funds due at closing
$270,187No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$256,513.27
Your down payment$256,513.27
Closing costs + prepaids$13,673.83
Total buyer cash needed$270,187.10
Remaining funds due$270,187.10
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%)$5,150.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,292.43
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,287.50
Prepaid interest, first (24 days)$475.90
Fees + prepaids$13,673.83
Your down payment is the seller’s equity. You take over the $258,487 balance, so the rest of the $515,000 price is paid at closing. A second mortgage can cover part of it. $270,187.10 is due at closing. Uses and sources reconcile at $528,673.83 each. Not a Closing Disclosure.