Follow the dollars · Assumption only
A complete cash picture for Dec 13, 2026
Your down payment$231,916Cash toward the purchase price.
Closing costs + prepaids$8,817Not just lender fees.
Before credits & paid funds$240,733The complete starting cash picture.
Estimated remaining funds due at closing
$240,733No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$231,915.66
Your down payment$231,915.66
Closing costs + prepaids$8,817.07
Total buyer cash needed$240,732.73
Remaining funds due$240,732.73
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%)$2,789.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$234.92
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$206.75
Initial HOA (3 months)$285.00
Prepaid interest, first (19 days)$83.40
Fees + prepaids$8,817.07
Your down payment is the seller’s equity. You take over the $46,984 balance, so the rest of the $278,900 price is paid at closing. A second mortgage can cover part of it. $240,732.73 is due at closing. Uses and sources reconcile at $287,717.07 each. Not a Closing Disclosure.