Follow the dollars · Assumption only
A complete cash picture for Dec 17, 2026
Your down payment$236,496Cash toward the purchase price.
Closing costs + prepaids$8,587Not just lender fees.
Before credits & paid funds$245,083The complete starting cash picture.
Estimated remaining funds due at closing
$245,083No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$236,495.71
Your down payment$236,495.71
Closing costs + prepaids$8,586.92
Total buyer cash needed$245,082.64
Remaining funds due$245,082.64
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%)$2,760.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$197.52
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$345.00
Prepaid interest, first (15 days)$66.40
Fees + prepaids$8,586.92
Your down payment is the seller’s equity. You take over the $39,504 balance, so the rest of the $276,000 price is paid at closing. A second mortgage can cover part of it. $245,082.64 is due at closing. Uses and sources reconcile at $284,586.92 each. Not a Closing Disclosure.