Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$255,560Cash toward the purchase price.
Closing costs + prepaids$9,974Not just lender fees.
Before credits & paid funds$265,533The complete starting cash picture.
Estimated remaining funds due at closing
$265,533No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$255,559.79
Your down payment$255,559.79
Closing costs + prepaids$9,973.53
Total buyer cash needed$265,533.32
Remaining funds due$265,533.32
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%)$3,550.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$497.20
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$329.00
Initial HOA (3 months)$90.00
Prepaid interest, first (30 days)$289.33
Fees + prepaids$9,973.53
Your down payment is the seller’s equity. You take over the $99,440 balance, so the rest of the $355,000 price is paid at closing. A second mortgage can cover part of it. $265,533.32 is due at closing. Uses and sources reconcile at $364,973.53 each. Not a Closing Disclosure.