Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$258,775Cash toward the purchase price.
Closing costs + prepaids$14,711Not just lender fees.
Before credits & paid funds$273,486The complete starting cash picture.
Estimated remaining funds due at closing
$273,486No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$258,775.38
Your down payment$258,775.38
Closing costs + prepaids$14,711.01
Total buyer cash needed$273,486.39
Remaining funds due$273,486.39
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%)$5,350.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,381.12
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,337.50
Initial HOA (3 months)$651.00
Prepaid interest, first (26 days)$523.39
Fees + prepaids$14,711.01
Your down payment is the seller’s equity. You take over the $276,225 balance, so the rest of the $535,000 price is paid at closing. A second mortgage can cover part of it. $273,486.39 is due at closing. Uses and sources reconcile at $549,711.01 each. Not a Closing Disclosure.