Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$260,359Cash toward the purchase price.
Closing costs + prepaids$9,328Not just lender fees.
Before credits & paid funds$269,687The complete starting cash picture.
Estimated remaining funds due at closing
$269,687No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$260,358.96
Your down payment$260,358.96
Closing costs + prepaids$9,328.24
Total buyer cash needed$269,687.20
Remaining funds due$269,687.20
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%)$3,080.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$238.21
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$563.75
Prepaid interest, first (30 days)$228.29
Fees + prepaids$9,328.24
Your down payment is the seller’s equity. You take over the $47,641 balance, so the rest of the $308,000 price is paid at closing. A second mortgage can cover part of it. $269,687.20 is due at closing. Uses and sources reconcile at $317,328.24 each. Not a Closing Disclosure.