Follow the dollars · Assumption only
A complete cash picture for Dec 28, 2026
Your down payment$259,681Cash toward the purchase price.
Closing costs + prepaids$11,112Not just lender fees.
Before credits & paid funds$270,793The complete starting cash picture.
Estimated remaining funds due at closing
$270,793No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$259,680.82
Your down payment$259,680.82
Closing costs + prepaids$11,112.28
Total buyer cash needed$270,793.09
Remaining funds due$270,793.09
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%)$3,749.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$576.10
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$956.00
Initial HOA (3 months)$570.00
Prepaid interest, first (4 days)$43.18
Fees + prepaids$11,112.28
Your down payment is the seller’s equity. You take over the $115,219 balance, so the rest of the $374,900 price is paid at closing. A second mortgage can cover part of it. $270,793.09 is due at closing. Uses and sources reconcile at $386,012.28 each. Not a Closing Disclosure.