Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$246,795Cash toward the purchase price.
Closing costs + prepaids$36,884Not just lender fees.
Before credits & paid funds$283,678The complete starting cash picture.
Estimated remaining funds due at closing
$283,678No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$246,794.61
Your down payment$246,794.61
Closing costs + prepaids$36,883.54
Total buyer cash needed$283,678.16
Remaining funds due$283,678.16
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%)$15,490.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$6,511.03
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,636.75
Initial HOA (3 months)$93.99
Prepaid interest, first (27 days)$5,933.78
Fees + prepaids$36,883.54
Your down payment is the seller’s equity. You take over the $1,302,205 balance, so the rest of the $1,549,000 price is paid at closing. A second mortgage can cover part of it. $283,678.16 is due at closing. Uses and sources reconcile at $1,585,883.54 each. Not a Closing Disclosure.