Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$244,951Cash toward the purchase price.
Closing costs + prepaids$15,648Not just lender fees.
Before credits & paid funds$260,599The complete starting cash picture.
Estimated remaining funds due at closing
$260,599No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$244,950.67
Your down payment$244,950.67
Closing costs + prepaids$15,648.44
Total buyer cash needed$260,599.11
Remaining funds due$260,599.11
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%)$5,750.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,650.25
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,389.50
Initial HOA (3 months)$621.00
Prepaid interest, first (28 days)$769.69
Fees + prepaids$15,648.44
Your down payment is the seller’s equity. You take over the $330,049 balance, so the rest of the $575,000 price is paid at closing. A second mortgage can cover part of it. $260,599.11 is due at closing. Uses and sources reconcile at $590,648.44 each. Not a Closing Disclosure.