Follow the dollars · Assumption only
A complete cash picture for Dec 11, 2026
Your down payment$274,515Cash toward the purchase price.
Closing costs + prepaids$13,246Not just lender fees.
Before credits & paid funds$287,761The complete starting cash picture.
Estimated remaining funds due at closing
$287,761No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$274,515.25
Your down payment$274,515.25
Closing costs + prepaids$13,245.51
Total buyer cash needed$287,760.76
Remaining funds due$287,760.76
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%)$5,200.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,227.42
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$535.00
Initial HOA (3 months)$324.99
Prepaid interest, first (21 days)$490.10
Fees + prepaids$13,245.51
Your down payment is the seller’s equity. You take over the $245,485 balance, so the rest of the $520,000 price is paid at closing. A second mortgage can cover part of it. $287,760.76 is due at closing. Uses and sources reconcile at $533,245.51 each. Not a Closing Disclosure.