Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$279,635Cash toward the purchase price.
Closing costs + prepaids$13,593Not just lender fees.
Before credits & paid funds$293,228The complete starting cash picture.
Estimated remaining funds due at closing
$293,228No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$279,634.51
Your down payment$279,634.51
Closing costs + prepaids$13,593.31
Total buyer cash needed$293,227.82
Remaining funds due$293,227.82
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%)$5,150.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,176.83
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,095.75
Initial HOA (3 months)$165.00
Prepaid interest, first (31 days)$537.73
Fees + prepaids$13,593.31
Your down payment is the seller’s equity. You take over the $235,365 balance, so the rest of the $515,000 price is paid at closing. A second mortgage can cover part of it. $293,227.82 is due at closing. Uses and sources reconcile at $528,593.31 each. Not a Closing Disclosure.