Follow the dollars · Assumption only
A complete cash picture for Dec 27, 2026
Your down payment$261,575Cash toward the purchase price.
Closing costs + prepaids$10,169Not just lender fees.
Before credits & paid funds$271,744The complete starting cash picture.
Estimated remaining funds due at closing
$271,744No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$261,574.83
Your down payment$261,574.83
Closing costs + prepaids$10,169.44
Total buyer cash needed$271,744.27
Remaining funds due$271,744.27
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%)$3,100.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$242.13
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$790.50
Initial HOA (3 months)$795.00
Prepaid interest, first (5 days)$23.81
Fees + prepaids$10,169.44
Your down payment is the seller’s equity. You take over the $48,425 balance, so the rest of the $310,000 price is paid at closing. A second mortgage can cover part of it. $271,744.27 is due at closing. Uses and sources reconcile at $320,169.44 each. Not a Closing Disclosure.