Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$246,455Cash toward the purchase price.
Closing costs + prepaids$17,214Not just lender fees.
Before credits & paid funds$263,669The complete starting cash picture.
Estimated remaining funds due at closing
$263,669No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$246,455.18
Your down payment$246,455.18
Closing costs + prepaids$17,213.67
Total buyer cash needed$263,668.85
Remaining funds due$263,668.85
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%)$1,442.72
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$3,416.75
Initial HOA (3 months)$210.00
Prepaid interest, first (24 days)$1,326.20
Fees + prepaids$17,213.67
Your down payment is the seller’s equity. You take over the $288,545 balance, so the rest of the $535,000 price is paid at closing. A second mortgage can cover part of it. $263,668.85 is due at closing. Uses and sources reconcile at $552,213.67 each. Not a Closing Disclosure.