Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$247,373Cash toward the purchase price.
Closing costs + prepaids$15,654Not just lender fees.
Before credits & paid funds$263,026The complete starting cash picture.
Estimated remaining funds due at closing
$263,026No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$247,372.83
Your down payment$247,372.83
Closing costs + prepaids$15,653.62
Total buyer cash needed$263,026.44
Remaining funds due$263,026.44
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%)$5,480.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,503.14
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,969.25
Prepaid interest, first (23 days)$1,233.23
Fees + prepaids$15,653.62
Your down payment is the seller’s equity. You take over the $300,627 balance, so the rest of the $548,000 price is paid at closing. A second mortgage can cover part of it. $263,026.44 is due at closing. Uses and sources reconcile at $563,653.62 each. Not a Closing Disclosure.