Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$239,941Cash toward the purchase price.
Closing costs + prepaids$14,989Not just lender fees.
Before credits & paid funds$254,930The complete starting cash picture.
Estimated remaining funds due at closing
$254,930No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$239,940.87
Your down payment$239,940.87
Closing costs + prepaids$14,988.94
Total buyer cash needed$254,929.81
Remaining funds due$254,929.81
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%)$5,599.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,599.80
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,308.25
Initial HOA (3 months)$150.00
Prepaid interest, first (27 days)$863.89
Fees + prepaids$14,988.94
Your down payment is the seller’s equity. You take over the $319,959 balance, so the rest of the $559,900 price is paid at closing. A second mortgage can cover part of it. $254,929.81 is due at closing. Uses and sources reconcile at $574,888.94 each. Not a Closing Disclosure.