Follow the dollars · Assumption only
A complete cash picture for Dec 11, 2026
Your down payment$269,260Cash toward the purchase price.
Closing costs + prepaids$13,161Not just lender fees.
Before credits & paid funds$282,421The complete starting cash picture.
Estimated remaining funds due at closing
$282,421No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$269,260.11
Your down payment$269,260.11
Closing costs + prepaids$13,161.25
Total buyer cash needed$282,421.36
Remaining funds due$282,421.36
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%)$5,300.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,303.70
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$481.50
Initial HOA (3 months)$182.01
Prepaid interest, first (21 days)$426.04
Fees + prepaids$13,161.25
Your down payment is the seller’s equity. You take over the $260,740 balance, so the rest of the $530,000 price is paid at closing. A second mortgage can cover part of it. $282,421.36 is due at closing. Uses and sources reconcile at $543,161.25 each. Not a Closing Disclosure.