Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$256,188Cash toward the purchase price.
Closing costs + prepaids$17,637Not just lender fees.
Before credits & paid funds$273,824The complete starting cash picture.
Estimated remaining funds due at closing
$273,824No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$256,187.50
Your down payment$256,187.50
Closing costs + prepaids$17,636.80
Total buyer cash needed$273,824.30
Remaining funds due$273,824.30
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%)$6,599.90
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,019.01
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,650.00
Initial HOA (3 months)$825.00
Prepaid interest, first (28 days)$1,074.89
Fees + prepaids$17,636.80
Your down payment is the seller’s equity. You take over the $403,802 balance, so the rest of the $659,990 price is paid at closing. A second mortgage can cover part of it. $273,824.30 is due at closing. Uses and sources reconcile at $677,626.80 each. Not a Closing Disclosure.