Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$245,338Cash toward the purchase price.
Closing costs + prepaids$13,855Not just lender fees.
Before credits & paid funds$259,193The complete starting cash picture.
Estimated remaining funds due at closing
$259,193No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$245,338.03
Your down payment$245,338.03
Closing costs + prepaids$13,854.67
Total buyer cash needed$259,192.70
Remaining funds due$259,192.70
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%)$5,199.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,372.81
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,101.50
Initial HOA (3 months)$249.99
Prepaid interest, first (22 days)$463.37
Fees + prepaids$13,854.67
Your down payment is the seller’s equity. You take over the $274,562 balance, so the rest of the $519,900 price is paid at closing. A second mortgage can cover part of it. $259,192.70 is due at closing. Uses and sources reconcile at $533,754.67 each. Not a Closing Disclosure.