Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$251,296Cash toward the purchase price.
Closing costs + prepaids$13,663Not just lender fees.
Before credits & paid funds$264,959The complete starting cash picture.
Estimated remaining funds due at closing
$264,959No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$251,295.79
Your down payment$251,295.79
Closing costs + prepaids$13,663.34
Total buyer cash needed$264,959.13
Remaining funds due$264,959.13
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%)$5,450.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,468.52
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$634.25
Initial HOA (3 months)$69.00
Prepaid interest, first (22 days)$573.57
Fees + prepaids$13,663.34
Your down payment is the seller’s equity. You take over the $293,704 balance, so the rest of the $545,000 price is paid at closing. A second mortgage can cover part of it. $264,959.13 is due at closing. Uses and sources reconcile at $558,663.34 each. Not a Closing Disclosure.