Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$259,526Cash toward the purchase price.
Closing costs + prepaids$11,260Not just lender fees.
Before credits & paid funds$270,786The complete starting cash picture.
Estimated remaining funds due at closing
$270,786No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$259,526.17
Your down payment$259,526.17
Closing costs + prepaids$11,259.88
Total buyer cash needed$270,786.06
Remaining funds due$270,786.06
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%)$4,270.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$837.37
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$512.50
Initial HOA (3 months)$255.00
Prepaid interest, first (10 days)$167.01
Fees + prepaids$11,259.88
Your down payment is the seller’s equity. You take over the $167,474 balance, so the rest of the $427,000 price is paid at closing. A second mortgage can cover part of it. $270,786.06 is due at closing. Uses and sources reconcile at $438,259.88 each. Not a Closing Disclosure.