Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$261,598Cash toward the purchase price.
Closing costs + prepaids$15,544Not just lender fees.
Before credits & paid funds$277,141The complete starting cash picture.
Estimated remaining funds due at closing
$277,141No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$261,597.88
Your down payment$261,597.88
Closing costs + prepaids$15,543.60
Total buyer cash needed$277,141.48
Remaining funds due$277,141.48
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%)$6,350.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,867.01
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$658.00
Initial HOA (3 months)$330.00
Prepaid interest, first (23 days)$870.59
Fees + prepaids$15,543.60
Your down payment is the seller’s equity. You take over the $373,402 balance, so the rest of the $635,000 price is paid at closing. A second mortgage can cover part of it. $277,141.48 is due at closing. Uses and sources reconcile at $650,543.60 each. Not a Closing Disclosure.