Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$264,859Cash toward the purchase price.
Closing costs + prepaids$14,100Not just lender fees.
Before credits & paid funds$278,959The complete starting cash picture.
Estimated remaining funds due at closing
$278,959No 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$14,100.20
Total buyer cash needed$278,958.97
Remaining funds due$278,958.97
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 (10 days)$249.74
Fees + prepaids$14,100.20
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. $278,958.97 is due at closing. Uses and sources reconcile at $581,800.20 each. Not a Closing Disclosure.