Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$257,157Cash toward the purchase price.
Closing costs + prepaids$13,492Not just lender fees.
Before credits & paid funds$270,649The complete starting cash picture.
Estimated remaining funds due at closing
$270,649No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$257,156.56
Your down payment$257,156.56
Closing costs + prepaids$13,492.27
Total buyer cash needed$270,648.83
Remaining funds due$270,648.83
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%)$5,499.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,463.72
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$401.00
Prepaid interest, first (29 days)$660.56
Fees + prepaids$13,492.27
Your down payment is the seller’s equity. You take over the $292,743 balance, so the rest of the $549,900 price is paid at closing. A second mortgage can cover part of it. $270,648.83 is due at closing. Uses and sources reconcile at $563,392.27 each. Not a Closing Disclosure.