Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$245,032Cash toward the purchase price.
Closing costs + prepaids$14,247Not just lender fees.
Before credits & paid funds$259,278The complete starting cash picture.
Estimated remaining funds due at closing
$259,278No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$245,031.72
Your down payment$245,031.72
Closing costs + prepaids$14,246.76
Total buyer cash needed$259,278.48
Remaining funds due$259,278.48
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%)$5,350.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,449.84
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,242.25
Initial HOA (3 months)$90.00
Prepaid interest, first (22 days)$646.67
Fees + prepaids$14,246.76
Your down payment is the seller’s equity. You take over the $289,968 balance, so the rest of the $535,000 price is paid at closing. A second mortgage can cover part of it. $259,278.48 is due at closing. Uses and sources reconcile at $549,246.76 each. Not a Closing Disclosure.