Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$253,248Cash toward the purchase price.
Closing costs + prepaids$16,110Not just lender fees.
Before credits & paid funds$269,357The complete starting cash picture.
Estimated remaining funds due at closing
$269,357No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$253,247.68
Your down payment$253,247.68
Closing costs + prepaids$16,109.64
Total buyer cash needed$269,357.32
Remaining funds due$269,357.32
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%)$6,580.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,023.76
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$436.25
Initial HOA (3 months)$72.00
Prepaid interest, first (22 days)$1,529.63
Fees + prepaids$16,109.64
Your down payment is the seller’s equity. You take over the $404,752 balance, so the rest of the $658,000 price is paid at closing. A second mortgage can cover part of it. $269,357.32 is due at closing. Uses and sources reconcile at $674,109.64 each. Not a Closing Disclosure.