Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$244,723Cash toward the purchase price.
Closing costs + prepaids$16,089Not just lender fees.
Before credits & paid funds$260,812The complete starting cash picture.
Estimated remaining funds due at closing
$260,812No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$244,723.07
Your down payment$244,723.07
Closing costs + prepaids$16,089.25
Total buyer cash needed$260,812.32
Remaining funds due$260,812.32
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%)$6,749.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,150.88
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$632.75
Initial HOA (3 months)$251.01
Prepaid interest, first (23 days)$837.61
Fees + prepaids$16,089.25
Your down payment is the seller’s equity. You take over the $430,177 balance, so the rest of the $674,900 price is paid at closing. A second mortgage can cover part of it. $260,812.32 is due at closing. Uses and sources reconcile at $690,989.25 each. Not a Closing Disclosure.