Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$266,088Cash toward the purchase price.
Closing costs + prepaids$12,828Not just lender fees.
Before credits & paid funds$278,916The complete starting cash picture.
Estimated remaining funds due at closing
$278,916No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$266,088.49
Your down payment$266,088.49
Closing costs + prepaids$12,827.82
Total buyer cash needed$278,916.31
Remaining funds due$278,916.31
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%)$5,249.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,294.06
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$64.00
Initial HOA (3 months)$138.00
Prepaid interest, first (30 days)$614.77
Fees + prepaids$12,827.82
Your down payment is the seller’s equity. You take over the $258,812 balance, so the rest of the $524,900 price is paid at closing. A second mortgage can cover part of it. $278,916.31 is due at closing. Uses and sources reconcile at $537,727.82 each. Not a Closing Disclosure.