Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$243,038Cash toward the purchase price.
Closing costs + prepaids$14,556Not just lender fees.
Before credits & paid funds$257,593The complete starting cash picture.
Estimated remaining funds due at closing
$257,593No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$243,037.76
Your down payment$243,037.76
Closing costs + prepaids$14,555.60
Total buyer cash needed$257,593.37
Remaining funds due$257,593.37
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%)$5,500.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,534.81
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$734.75
Initial HOA (3 months)$435.00
Prepaid interest, first (28 days)$883.04
Fees + prepaids$14,555.60
Your down payment is the seller’s equity. You take over the $306,962 balance, so the rest of the $550,000 price is paid at closing. A second mortgage can cover part of it. $257,593.37 is due at closing. Uses and sources reconcile at $564,555.60 each. Not a Closing Disclosure.