Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$270,254Cash toward the purchase price.
Closing costs + prepaids$14,029Not just lender fees.
Before credits & paid funds$284,283The complete starting cash picture.
Estimated remaining funds due at closing
$284,283No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$270,253.91
Your down payment$270,253.91
Closing costs + prepaids$14,028.85
Total buyer cash needed$284,282.75
Remaining funds due$284,282.75
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%)$5,399.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,348.23
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,349.75
Prepaid interest, first (23 days)$463.87
Fees + prepaids$14,028.85
Your down payment is the seller’s equity. You take over the $269,646 balance, so the rest of the $539,900 price is paid at closing. A second mortgage can cover part of it. $284,282.75 is due at closing. Uses and sources reconcile at $553,928.85 each. Not a Closing Disclosure.