Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$252,868Cash toward the purchase price.
Closing costs + prepaids$14,926Not just lender fees.
Before credits & paid funds$267,795The complete starting cash picture.
Estimated remaining funds due at closing
$267,795No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$252,868.30
Your down payment$252,868.30
Closing costs + prepaids$14,926.25
Total buyer cash needed$267,794.55
Remaining funds due$267,794.55
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%)$5,950.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,710.66
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,176.50
Initial HOA (3 months)$37.50
Prepaid interest, first (22 days)$583.59
Fees + prepaids$14,926.25
Your down payment is the seller’s equity. You take over the $342,132 balance, so the rest of the $595,000 price is paid at closing. A second mortgage can cover part of it. $267,794.55 is due at closing. Uses and sources reconcile at $609,926.25 each. Not a Closing Disclosure.