Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$240,983Cash toward the purchase price.
Closing costs + prepaids$13,263Not just lender fees.
Before credits & paid funds$254,246The complete starting cash picture.
Estimated remaining funds due at closing
$254,246No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$240,983.11
Your down payment$240,983.11
Closing costs + prepaids$13,262.52
Total buyer cash needed$254,245.63
Remaining funds due$254,245.63
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%)$5,499.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,544.58
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$186.25
Prepaid interest, first (24 days)$564.68
Fees + prepaids$13,262.52
Your down payment is the seller’s equity. You take over the $308,917 balance, so the rest of the $549,900 price is paid at closing. A second mortgage can cover part of it. $254,245.63 is due at closing. Uses and sources reconcile at $563,162.52 each. Not a Closing Disclosure.