Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$247,555Cash toward the purchase price.
Closing costs + prepaids$14,993Not just lender fees.
Before credits & paid funds$262,548The complete starting cash picture.
Estimated remaining funds due at closing
$262,548No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$247,555.23
Your down payment$247,555.23
Closing costs + prepaids$14,993.20
Total buyer cash needed$262,548.43
Remaining funds due$262,548.43
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%)$5,499.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,511.72
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,183.50
Prepaid interest, first (26 days)$1,330.98
Fees + prepaids$14,993.20
Your down payment is the seller’s equity. You take over the $302,345 balance, so the rest of the $549,900 price is paid at closing. A second mortgage can cover part of it. $262,548.43 is due at closing. Uses and sources reconcile at $564,893.20 each. Not a Closing Disclosure.