Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$256,910Cash toward the purchase price.
Closing costs + prepaids$15,897Not just lender fees.
Before credits & paid funds$272,806The complete starting cash picture.
Estimated remaining funds due at closing
$272,806No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$256,909.73
Your down payment$256,909.73
Closing costs + prepaids$15,896.58
Total buyer cash needed$272,806.31
Remaining funds due$272,806.31
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%)$6,199.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,815.45
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,363.50
Initial HOA (3 months)$222.00
Prepaid interest, first (26 days)$827.64
Fees + prepaids$15,896.58
Your down payment is the seller’s equity. You take over the $363,089 balance, so the rest of the $619,999 price is paid at closing. A second mortgage can cover part of it. $272,806.31 is due at closing. Uses and sources reconcile at $635,895.58 each. Not a Closing Disclosure.