Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$257,665Cash toward the purchase price.
Closing costs + prepaids$14,608Not just lender fees.
Before credits & paid funds$272,273The complete starting cash picture.
Estimated remaining funds due at closing
$272,273No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$257,664.53
Your down payment$257,664.53
Closing costs + prepaids$14,608.36
Total buyer cash needed$272,272.89
Remaining funds due$272,272.89
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%)$5,689.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,556.67
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,203.50
Initial HOA (3 months)$135.00
Prepaid interest, first (23 days)$555.20
Fees + prepaids$14,608.36
Your down payment is the seller’s equity. You take over the $311,334 balance, so the rest of the $568,999 price is paid at closing. A second mortgage can cover part of it. $272,272.89 is due at closing. Uses and sources reconcile at $583,607.36 each. Not a Closing Disclosure.