Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$264,859Cash toward the purchase price.
Closing costs + prepaids$14,075Not just lender fees.
Before credits & paid funds$278,934The complete starting cash picture.
Estimated remaining funds due at closing
$278,934No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$264,858.77
Your down payment$264,858.77
Closing costs + prepaids$14,075.22
Total buyer cash needed$278,934.00
Remaining funds due$278,934.00
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%)$5,677.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,514.21
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$681.25
Initial HOA (3 months)$510.00
Prepaid interest, first (9 days)$224.77
Fees + prepaids$14,075.22
Your down payment is the seller’s equity. You take over the $302,841 balance, so the rest of the $567,700 price is paid at closing. A second mortgage can cover part of it. $278,934.00 is due at closing. Uses and sources reconcile at $581,775.22 each. Not a Closing Disclosure.