Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$265,338Cash toward the purchase price.
Closing costs + prepaids$14,223Not just lender fees.
Before credits & paid funds$279,561The complete starting cash picture.
Estimated remaining funds due at closing
$279,561No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$265,338.03
Your down payment$265,338.03
Closing costs + prepaids$14,223.17
Total buyer cash needed$279,561.19
Remaining funds due$279,561.19
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%)$1,372.81
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,101.50
Initial HOA (3 months)$249.99
Prepaid interest, first (30 days)$631.87
Fees + prepaids$14,223.17
Your down payment is the seller’s equity. You take over the $274,562 balance, so the rest of the $539,900 price is paid at closing. A second mortgage can cover part of it. $279,561.19 is due at closing. Uses and sources reconcile at $554,123.17 each. Not a Closing Disclosure.