Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$250,939Cash toward the purchase price.
Closing costs + prepaids$13,698Not just lender fees.
Before credits & paid funds$264,637The complete starting cash picture.
Estimated remaining funds due at closing
$264,637No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$250,938.86
Your down payment$250,938.86
Closing costs + prepaids$13,698.43
Total buyer cash needed$264,637.29
Remaining funds due$264,637.29
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%)$5,150.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,320.31
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,262.75
Prepaid interest, first (25 days)$497.38
Fees + prepaids$13,698.43
Your down payment is the seller’s equity. You take over the $264,061 balance, so the rest of the $515,000 price is paid at closing. A second mortgage can cover part of it. $264,637.29 is due at closing. Uses and sources reconcile at $528,698.43 each. Not a Closing Disclosure.