Follow the dollars · Assumption only
A complete cash picture for Dec 27, 2026
Your down payment$261,780Cash toward the purchase price.
Closing costs + prepaids$13,584Not just lender fees.
Before credits & paid funds$275,364The complete starting cash picture.
Estimated remaining funds due at closing
$275,364No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$261,780.10
Your down payment$261,780.10
Closing costs + prepaids$13,584.05
Total buyer cash needed$275,364.15
Remaining funds due$275,364.15
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%)$1,341.10
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,351.50
Prepaid interest, first (5 days)$123.45
Fees + prepaids$13,584.05
Your down payment is the seller’s equity. You take over the $268,220 balance, so the rest of the $530,000 price is paid at closing. A second mortgage can cover part of it. $275,364.15 is due at closing. Uses and sources reconcile at $543,584.05 each. Not a Closing Disclosure.