Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$269,264Cash toward the purchase price.
Closing costs + prepaids$15,136Not just lender fees.
Before credits & paid funds$284,400The complete starting cash picture.
Estimated remaining funds due at closing
$284,400No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$269,263.66
Your down payment$269,263.66
Closing costs + prepaids$15,136.07
Total buyer cash needed$284,399.73
Remaining funds due$284,399.73
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%)$6,100.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,703.68
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,119.25
Prepaid interest, first (26 days)$745.14
Fees + prepaids$15,136.07
Your down payment is the seller’s equity. You take over the $340,736 balance, so the rest of the $610,000 price is paid at closing. A second mortgage can cover part of it. $284,399.73 is due at closing. Uses and sources reconcile at $625,136.07 each. Not a Closing Disclosure.