Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$265,320Cash toward the purchase price.
Closing costs + prepaids$13,095Not just lender fees.
Before credits & paid funds$278,416The complete starting cash picture.
Estimated remaining funds due at closing
$278,416No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$265,320.42
Your down payment$265,320.42
Closing costs + prepaids$13,095.21
Total buyer cash needed$278,415.63
Remaining funds due$278,415.63
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%)$5,250.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,298.40
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$630.00
Initial HOA (3 months)$258.00
Prepaid interest, first (9 days)$190.81
Fees + prepaids$13,095.21
Your down payment is the seller’s equity. You take over the $259,680 balance, so the rest of the $525,000 price is paid at closing. A second mortgage can cover part of it. $278,415.63 is due at closing. Uses and sources reconcile at $538,095.21 each. Not a Closing Disclosure.