Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$241,132Cash toward the purchase price.
Closing costs + prepaids$15,406Not just lender fees.
Before credits & paid funds$256,538The complete starting cash picture.
Estimated remaining funds due at closing
$256,538No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$241,131.56
Your down payment$241,131.56
Closing costs + prepaids$15,406.43
Total buyer cash needed$256,537.99
Remaining funds due$256,537.99
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%)$6,449.45
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,019.07
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$34.50
Initial HOA (3 months)$141.00
Prepaid interest, first (24 days)$1,294.42
Fees + prepaids$15,406.43
Your down payment is the seller’s equity. You take over the $403,813 balance, so the rest of the $644,945 price is paid at closing. A second mortgage can cover part of it. $256,537.99 is due at closing. Uses and sources reconcile at $660,351.43 each. Not a Closing Disclosure.