Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$259,457Cash toward the purchase price.
Closing costs + prepaids$25,191Not just lender fees.
Before credits & paid funds$284,647The complete starting cash picture.
Estimated remaining funds due at closing
$284,647No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$259,456.51
Your down payment$259,456.51
Closing costs + prepaids$25,190.73
Total buyer cash needed$284,647.24
Remaining funds due$284,647.24
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%)$9,999.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,702.71
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,500.00
Initial HOA (3 months)$225.00
Prepaid interest, first (28 days)$2,545.03
Fees + prepaids$25,190.73
Your down payment is the seller’s equity. You take over the $740,542 balance, so the rest of the $999,999 price is paid at closing. A second mortgage can cover part of it. $284,647.24 is due at closing. Uses and sources reconcile at $1,025,189.73 each. Not a Closing Disclosure.