Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$268,802Cash toward the purchase price.
Closing costs + prepaids$12,934Not just lender fees.
Before credits & paid funds$281,737The complete starting cash picture.
Estimated remaining funds due at closing
$281,737No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$268,802.28
Your down payment$268,802.28
Closing costs + prepaids$12,934.40
Total buyer cash needed$281,736.67
Remaining funds due$281,736.67
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%)$5,090.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,200.99
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$636.25
Initial HOA (3 months)$153.00
Prepaid interest, first (18 days)$386.16
Fees + prepaids$12,934.40
Your down payment is the seller’s equity. You take over the $240,198 balance, so the rest of the $509,000 price is paid at closing. A second mortgage can cover part of it. $281,736.67 is due at closing. Uses and sources reconcile at $521,934.40 each. Not a Closing Disclosure.