Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$244,189Cash toward the purchase price.
Closing costs + prepaids$13,646Not just lender fees.
Before credits & paid funds$257,835The complete starting cash picture.
Estimated remaining funds due at closing
$257,835No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$244,188.96
Your down payment$244,188.96
Closing costs + prepaids$13,645.77
Total buyer cash needed$257,834.73
Remaining funds due$257,834.73
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%)$5,150.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,354.06
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,011.00
Initial HOA (3 months)$102.99
Prepaid interest, first (23 days)$559.73
Fees + prepaids$13,645.77
Your down payment is the seller’s equity. You take over the $270,811 balance, so the rest of the $515,000 price is paid at closing. A second mortgage can cover part of it. $257,834.73 is due at closing. Uses and sources reconcile at $528,645.77 each. Not a Closing Disclosure.