Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$259,670Cash toward the purchase price.
Closing costs + prepaids$15,993Not just lender fees.
Before credits & paid funds$275,662The complete starting cash picture.
Estimated remaining funds due at closing
$275,662No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$259,669.67
Your down payment$259,669.67
Closing costs + prepaids$15,992.80
Total buyer cash needed$275,662.48
Remaining funds due$275,662.48
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%)$6,650.87
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,027.09
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$258.50
Prepaid interest, first (22 days)$1,588.35
Fees + prepaids$15,992.80
Your down payment is the seller’s equity. You take over the $405,417 balance, so the rest of the $665,087 price is paid at closing. A second mortgage can cover part of it. $275,662.48 is due at closing. Uses and sources reconcile at $681,079.80 each. Not a Closing Disclosure.