Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$241,944Cash toward the purchase price.
Closing costs + prepaids$14,168Not just lender fees.
Before credits & paid funds$256,111The complete starting cash picture.
Estimated remaining funds due at closing
$256,111No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$241,943.76
Your down payment$241,943.76
Closing costs + prepaids$14,167.68
Total buyer cash needed$256,111.45
Remaining funds due$256,111.45
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%)$5,299.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,439.78
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$945.25
Initial HOA (3 months)$219.00
Prepaid interest, first (27 days)$796.65
Fees + prepaids$14,167.68
Your down payment is the seller’s equity. You take over the $287,956 balance, so the rest of the $529,900 price is paid at closing. A second mortgage can cover part of it. $256,111.45 is due at closing. Uses and sources reconcile at $544,067.68 each. Not a Closing Disclosure.