Follow the dollars · Assumption only
A complete cash picture for Dec 27, 2026
Your down payment$269,711Cash toward the purchase price.
Closing costs + prepaids$12,277Not just lender fees.
Before credits & paid funds$281,988The complete starting cash picture.
Estimated remaining funds due at closing
$281,988No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$269,711.47
Your down payment$269,711.47
Closing costs + prepaids$12,276.77
Total buyer cash needed$281,988.24
Remaining funds due$281,988.24
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%)$3,849.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$575.94
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$981.50
Initial HOA (3 months)$1,590.00
Prepaid interest, first (5 days)$62.33
Fees + prepaids$12,276.77
Your down payment is the seller’s equity. You take over the $115,189 balance, so the rest of the $384,900 price is paid at closing. A second mortgage can cover part of it. $281,988.24 is due at closing. Uses and sources reconcile at $397,176.77 each. Not a Closing Disclosure.