Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$265,167Cash toward the purchase price.
Closing costs + prepaids$13,230Not just lender fees.
Before credits & paid funds$278,397The complete starting cash picture.
Estimated remaining funds due at closing
$278,397No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$265,166.89
Your down payment$265,166.89
Closing costs + prepaids$13,229.93
Total buyer cash needed$278,396.82
Remaining funds due$278,396.82
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%)$5,100.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,224.17
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$687.50
Initial HOA (3 months)$54.00
Prepaid interest, first (30 days)$696.27
Fees + prepaids$13,229.93
Your down payment is the seller’s equity. You take over the $244,833 balance, so the rest of the $510,000 price is paid at closing. A second mortgage can cover part of it. $278,396.82 is due at closing. Uses and sources reconcile at $523,229.93 each. Not a Closing Disclosure.