Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$257,117Cash toward the purchase price.
Closing costs + prepaids$15,931Not just lender fees.
Before credits & paid funds$273,048The complete starting cash picture.
Estimated remaining funds due at closing
$273,048No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$257,117.00
Your down payment$257,117.00
Closing costs + prepaids$15,931.45
Total buyer cash needed$273,048.46
Remaining funds due$273,048.46
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%)$5,399.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,414.41
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$3,072.75
Prepaid interest, first (26 days)$576.30
Fees + prepaids$15,931.45
Your down payment is the seller’s equity. You take over the $282,882 balance, so the rest of the $539,999 price is paid at closing. A second mortgage can cover part of it. $273,048.46 is due at closing. Uses and sources reconcile at $555,930.45 each. Not a Closing Disclosure.