Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$232,930Cash toward the purchase price.
Closing costs + prepaids$14,545Not just lender fees.
Before credits & paid funds$247,475The complete starting cash picture.
Estimated remaining funds due at closing
$247,475No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$232,929.97
Your down payment$232,929.97
Closing costs + prepaids$14,544.65
Total buyer cash needed$247,474.62
Remaining funds due$247,474.62
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%)$5,488.88
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,579.79
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,372.25
Prepaid interest, first (24 days)$635.72
Fees + prepaids$14,544.65
Your down payment is the seller’s equity. You take over the $315,958 balance, so the rest of the $548,888 price is paid at closing. A second mortgage can cover part of it. $247,474.62 is due at closing. Uses and sources reconcile at $563,432.65 each. Not a Closing Disclosure.