Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$278,242Cash toward the purchase price.
Closing costs + prepaids$13,066Not just lender fees.
Before credits & paid funds$291,308The complete starting cash picture.
Estimated remaining funds due at closing
$291,308No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$278,241.85
Your down payment$278,241.85
Closing costs + prepaids$13,065.73
Total buyer cash needed$291,307.58
Remaining funds due$291,307.58
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%)$5,150.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,183.79
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$686.25
Initial HOA (3 months)$120.00
Prepaid interest, first (18 days)$457.69
Fees + prepaids$13,065.73
Your down payment is the seller’s equity. You take over the $236,758 balance, so the rest of the $515,000 price is paid at closing. A second mortgage can cover part of it. $291,307.58 is due at closing. Uses and sources reconcile at $528,065.73 each. Not a Closing Disclosure.