Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$261,742Cash toward the purchase price.
Closing costs + prepaids$14,542Not just lender fees.
Before credits & paid funds$276,284The complete starting cash picture.
Estimated remaining funds due at closing
$276,284No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$261,741.75
Your down payment$261,741.75
Closing costs + prepaids$14,542.02
Total buyer cash needed$276,283.76
Remaining funds due$276,283.76
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%)$1,440.79
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,374.75
Prepaid interest, first (26 days)$759.47
Fees + prepaids$14,542.02
Your down payment is the seller’s equity. You take over the $288,158 balance, so the rest of the $549,900 price is paid at closing. A second mortgage can cover part of it. $276,283.76 is due at closing. Uses and sources reconcile at $564,442.02 each. Not a Closing Disclosure.