Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$253,283Cash toward the purchase price.
Closing costs + prepaids$15,483Not just lender fees.
Before credits & paid funds$268,767The complete starting cash picture.
Estimated remaining funds due at closing
$268,767No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$253,283.37
Your down payment$253,283.37
Closing costs + prepaids$15,483.36
Total buyer cash needed$268,766.73
Remaining funds due$268,766.73
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%)$5,599.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,533.08
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$2,207.75
Initial HOA (3 months)$13.74
Prepaid interest, first (26 days)$661.79
Fees + prepaids$15,483.36
Your down payment is the seller’s equity. You take over the $306,617 balance, so the rest of the $559,900 price is paid at closing. A second mortgage can cover part of it. $268,766.73 is due at closing. Uses and sources reconcile at $575,383.36 each. Not a Closing Disclosure.