Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$259,137Cash toward the purchase price.
Closing costs + prepaids$14,505Not just lender fees.
Before credits & paid funds$273,642The complete starting cash picture.
Estimated remaining funds due at closing
$273,642No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$259,136.97
Your down payment$259,136.97
Closing costs + prepaids$14,504.71
Total buyer cash needed$273,641.68
Remaining funds due$273,641.68
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%)$5,490.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,449.32
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,372.50
Prepaid interest, first (28 days)$724.90
Fees + prepaids$14,504.71
Your down payment is the seller’s equity. You take over the $289,863 balance, so the rest of the $549,000 price is paid at closing. A second mortgage can cover part of it. $273,641.68 is due at closing. Uses and sources reconcile at $563,504.71 each. Not a Closing Disclosure.