Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$264,459Cash toward the purchase price.
Closing costs + prepaids$14,589Not just lender fees.
Before credits & paid funds$279,048The complete starting cash picture.
Estimated remaining funds due at closing
$279,048No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$264,459.08
Your down payment$264,459.08
Closing costs + prepaids$14,589.19
Total buyer cash needed$279,048.28
Remaining funds due$279,048.28
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%)$5,399.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,377.70
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$842.00
Prepaid interest, first (30 days)$1,501.50
Fees + prepaids$14,589.19
Your down payment is the seller’s equity. You take over the $275,540 balance, so the rest of the $539,999 price is paid at closing. A second mortgage can cover part of it. $279,048.28 is due at closing. Uses and sources reconcile at $554,588.19 each. Not a Closing Disclosure.