Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$269,260Cash toward the purchase price.
Closing costs + prepaids$13,072Not just lender fees.
Before credits & paid funds$282,332The complete starting cash picture.
Estimated remaining funds due at closing
$282,332No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$269,260.11
Your down payment$269,260.11
Closing costs + prepaids$13,072.30
Total buyer cash needed$282,332.41
Remaining funds due$282,332.41
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%)$5,300.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,303.70
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$636.00
Initial HOA (3 months)$182.01
Prepaid interest, first (9 days)$182.59
Fees + prepaids$13,072.30
Your down payment is the seller’s equity. You take over the $260,740 balance, so the rest of the $530,000 price is paid at closing. A second mortgage can cover part of it. $282,332.41 is due at closing. Uses and sources reconcile at $543,072.30 each. Not a Closing Disclosure.