Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$245,923Cash toward the purchase price.
Closing costs + prepaids$13,629Not just lender fees.
Before credits & paid funds$259,552The complete starting cash picture.
Estimated remaining funds due at closing
$259,552No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$245,922.87
Your down payment$245,922.87
Closing costs + prepaids$13,629.08
Total buyer cash needed$259,551.95
Remaining funds due$259,551.95
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%)$5,290.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,415.39
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$818.50
Prepaid interest, first (26 days)$637.19
Fees + prepaids$13,629.08
Your down payment is the seller’s equity. You take over the $283,077 balance, so the rest of the $529,000 price is paid at closing. A second mortgage can cover part of it. $259,551.95 is due at closing. Uses and sources reconcile at $542,629.08 each. Not a Closing Disclosure.