Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$272,260Cash toward the purchase price.
Closing costs + prepaids$12,648Not just lender fees.
Before credits & paid funds$284,908The complete starting cash picture.
Estimated remaining funds due at closing
$284,908No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$272,259.98
Your down payment$272,259.98
Closing costs + prepaids$12,648.14
Total buyer cash needed$284,908.12
Remaining funds due$284,908.12
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%)$4,950.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,113.70
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$607.00
Initial HOA (3 months)$114.00
Prepaid interest, first (18 days)$395.44
Fees + prepaids$12,648.14
Your down payment is the seller’s equity. You take over the $222,740 balance, so the rest of the $495,000 price is paid at closing. A second mortgage can cover part of it. $284,908.12 is due at closing. Uses and sources reconcile at $507,648.14 each. Not a Closing Disclosure.