Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$233,538Cash toward the purchase price.
Closing costs + prepaids$15,270Not just lender fees.
Before credits & paid funds$248,808The complete starting cash picture.
Estimated remaining funds due at closing
$248,808No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$233,538.36
Your down payment$233,538.36
Closing costs + prepaids$15,269.91
Total buyer cash needed$248,808.26
Remaining funds due$248,808.26
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%)$5,489.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,576.81
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$634.75
Initial HOA (3 months)$1,500.00
Prepaid interest, first (24 days)$601.35
Fees + prepaids$15,269.91
Your down payment is the seller’s equity. You take over the $315,362 balance, so the rest of the $548,900 price is paid at closing. A second mortgage can cover part of it. $248,808.26 is due at closing. Uses and sources reconcile at $564,169.91 each. Not a Closing Disclosure.