Follow the dollars · Assumption only
A complete cash picture for Dec 17, 2026
Your down payment$262,480Cash toward the purchase price.
Closing costs + prepaids$9,090Not just lender fees.
Before credits & paid funds$271,570The complete starting cash picture.
Estimated remaining funds due at closing
$271,570No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$262,480.01
Your down payment$262,480.01
Closing costs + prepaids$9,089.85
Total buyer cash needed$271,569.86
Remaining funds due$271,569.86
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%)$3,149.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$262.10
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$393.75
Prepaid interest, first (15 days)$67.00
Fees + prepaids$9,089.85
Your down payment is the seller’s equity. You take over the $52,420 balance, so the rest of the $314,900 price is paid at closing. A second mortgage can cover part of it. $271,569.86 is due at closing. Uses and sources reconcile at $323,989.85 each. Not a Closing Disclosure.