Follow the dollars · Assumption only
A complete cash picture for Dec 12, 2026
Your down payment$274,688Cash toward the purchase price.
Closing costs + prepaids$9,916Not just lender fees.
Before credits & paid funds$284,604The complete starting cash picture.
Estimated remaining funds due at closing
$284,604No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$274,687.92
Your down payment$274,687.92
Closing costs + prepaids$9,915.83
Total buyer cash needed$284,603.75
Remaining funds due$284,603.75
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%)$3,550.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$401.56
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$305.00
Initial HOA (3 months)$267.00
Prepaid interest, first (20 days)$174.27
Fees + prepaids$9,915.83
Your down payment is the seller’s equity. You take over the $80,312 balance, so the rest of the $355,000 price is paid at closing. A second mortgage can cover part of it. $284,603.75 is due at closing. Uses and sources reconcile at $364,915.83 each. Not a Closing Disclosure.