Follow the dollars · Assumption only
A complete cash picture for Dec 17, 2026
Your down payment$271,509Cash toward the purchase price.
Closing costs + prepaids$12,871Not just lender fees.
Before credits & paid funds$284,379The complete starting cash picture.
Estimated remaining funds due at closing
$284,379No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$271,508.53
Your down payment$271,508.53
Closing costs + prepaids$12,870.78
Total buyer cash needed$284,379.31
Remaining funds due$284,379.31
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%)$5,149.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,216.96
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$643.75
Initial HOA (3 months)$90.00
Prepaid interest, first (15 days)$303.07
Fees + prepaids$12,870.78
Your down payment is the seller’s equity. You take over the $243,391 balance, so the rest of the $514,900 price is paid at closing. A second mortgage can cover part of it. $284,379.31 is due at closing. Uses and sources reconcile at $527,770.78 each. Not a Closing Disclosure.