Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$234,177Cash toward the purchase price.
Closing costs + prepaids$14,671Not just lender fees.
Before credits & paid funds$248,848The complete starting cash picture.
Estimated remaining funds due at closing
$248,848No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$234,177.26
Your down payment$234,177.26
Closing costs + prepaids$14,671.07
Total buyer cash needed$248,848.33
Remaining funds due$248,848.33
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%)$5,400.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,529.11
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,233.75
Initial HOA (3 months)$266.01
Prepaid interest, first (28 days)$774.19
Fees + prepaids$14,671.07
Your down payment is the seller’s equity. You take over the $305,823 balance, so the rest of the $540,000 price is paid at closing. A second mortgage can cover part of it. $248,848.33 is due at closing. Uses and sources reconcile at $554,671.07 each. Not a Closing Disclosure.