Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$258,821Cash toward the purchase price.
Closing costs + prepaids$13,565Not just lender fees.
Before credits & paid funds$272,386The complete starting cash picture.
Estimated remaining funds due at closing
$272,386No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$258,820.85
Your down payment$258,820.85
Closing costs + prepaids$13,565.38
Total buyer cash needed$272,386.23
Remaining funds due$272,386.23
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%)$5,550.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,480.90
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$386.25
Initial HOA (3 months)$83.01
Prepaid interest, first (23 days)$597.23
Fees + prepaids$13,565.38
Your down payment is the seller’s equity. You take over the $296,179 balance, so the rest of the $555,000 price is paid at closing. A second mortgage can cover part of it. $272,386.23 is due at closing. Uses and sources reconcile at $568,565.38 each. Not a Closing Disclosure.