Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$253,411Cash toward the purchase price.
Closing costs + prepaids$15,647Not just lender fees.
Before credits & paid funds$269,057The complete starting cash picture.
Estimated remaining funds due at closing
$269,057No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$253,410.65
Your down payment$253,410.65
Closing costs + prepaids$15,646.80
Total buyer cash needed$269,057.45
Remaining funds due$269,057.45
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%)$6,399.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,932.45
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$998.50
Initial HOA (3 months)$150.00
Prepaid interest, first (24 days)$698.86
Fees + prepaids$15,646.80
Your down payment is the seller’s equity. You take over the $386,489 balance, so the rest of the $639,900 price is paid at closing. A second mortgage can cover part of it. $269,057.45 is due at closing. Uses and sources reconcile at $655,546.80 each. Not a Closing Disclosure.