Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$250,219Cash toward the purchase price.
Closing costs + prepaids$16,100Not just lender fees.
Before credits & paid funds$266,318The complete starting cash picture.
Estimated remaining funds due at closing
$266,318No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$250,218.61
Your down payment$250,218.61
Closing costs + prepaids$16,099.57
Total buyer cash needed$266,318.19
Remaining funds due$266,318.19
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%)$5,679.95
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,588.88
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,420.00
Initial HOA (3 months)$1,332.00
Prepaid interest, first (23 days)$610.74
Fees + prepaids$16,099.57
Your down payment is the seller’s equity. You take over the $317,776 balance, so the rest of the $567,995 price is paid at closing. A second mortgage can cover part of it. $266,318.19 is due at closing. Uses and sources reconcile at $584,094.57 each. Not a Closing Disclosure.