Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$261,473Cash toward the purchase price.
Closing costs + prepaids$17,421Not just lender fees.
Before credits & paid funds$278,893The complete starting cash picture.
Estimated remaining funds due at closing
$278,893No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$261,472.58
Your down payment$261,472.58
Closing costs + prepaids$17,420.76
Total buyer cash needed$278,893.34
Remaining funds due$278,893.34
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%)$6,499.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,942.14
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,624.75
Initial HOA (3 months)$987.00
Prepaid interest, first (28 days)$899.87
Fees + prepaids$17,420.76
Your down payment is the seller’s equity. You take over the $388,427 balance, so the rest of the $649,900 price is paid at closing. A second mortgage can cover part of it. $278,893.34 is due at closing. Uses and sources reconcile at $667,320.76 each. Not a Closing Disclosure.