Follow the dollars · Assumption only
A complete cash picture for Dec 16, 2026
Your down payment$262,784Cash toward the purchase price.
Closing costs + prepaids$9,330Not just lender fees.
Before credits & paid funds$272,114The complete starting cash picture.
Estimated remaining funds due at closing
$272,114No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$262,784.32
Your down payment$262,784.32
Closing costs + prepaids$9,330.05
Total buyer cash needed$272,114.36
Remaining funds due$272,114.36
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%)$3,249.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$310.58
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$406.25
Prepaid interest, first (16 days)$146.22
Fees + prepaids$9,330.05
Your down payment is the seller’s equity. You take over the $62,116 balance, so the rest of the $324,900 price is paid at closing. A second mortgage can cover part of it. $272,114.36 is due at closing. Uses and sources reconcile at $334,230.05 each. Not a Closing Disclosure.