Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$270,783Cash toward the purchase price.
Closing costs + prepaids$11,315Not just lender fees.
Before credits & paid funds$282,098The complete starting cash picture.
Estimated remaining funds due at closing
$282,098No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$270,783.23
Your down payment$270,783.23
Closing costs + prepaids$11,314.93
Total buyer cash needed$282,098.16
Remaining funds due$282,098.16
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%)$3,840.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$566.08
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$610.50
Initial HOA (3 months)$750.00
Prepaid interest, first (30 days)$330.34
Fees + prepaids$11,314.93
Your down payment is the seller’s equity. You take over the $113,217 balance, so the rest of the $384,000 price is paid at closing. A second mortgage can cover part of it. $282,098.16 is due at closing. Uses and sources reconcile at $395,314.93 each. Not a Closing Disclosure.