Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$261,638Cash toward the purchase price.
Closing costs + prepaids$13,675Not just lender fees.
Before credits & paid funds$275,313The complete starting cash picture.
Estimated remaining funds due at closing
$275,313No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$261,637.77
Your down payment$261,637.77
Closing costs + prepaids$13,674.95
Total buyer cash needed$275,312.71
Remaining funds due$275,312.71
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%)$5,300.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,341.81
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$943.50
Initial HOA (3 months)$6.24
Prepaid interest, first (27 days)$615.40
Fees + prepaids$13,674.95
Your down payment is the seller’s equity. You take over the $268,362 balance, so the rest of the $530,000 price is paid at closing. A second mortgage can cover part of it. $275,312.71 is due at closing. Uses and sources reconcile at $543,674.95 each. Not a Closing Disclosure.