Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$275,999Cash toward the purchase price.
Closing costs + prepaids$13,558Not just lender fees.
Before credits & paid funds$289,558The complete starting cash picture.
Estimated remaining funds due at closing
$289,558No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$275,999.36
Your down payment$275,999.36
Closing costs + prepaids$13,558.38
Total buyer cash needed$289,557.74
Remaining funds due$289,557.74
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%)$5,375.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,307.50
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$492.00
Initial HOA (3 months)$54.00
Prepaid interest, first (30 days)$861.88
Fees + prepaids$13,558.38
Your down payment is the seller’s equity. You take over the $261,501 balance, so the rest of the $537,500 price is paid at closing. A second mortgage can cover part of it. $289,557.74 is due at closing. Uses and sources reconcile at $551,058.38 each. Not a Closing Disclosure.