Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$246,947Cash toward the purchase price.
Closing costs + prepaids$13,726Not just lender fees.
Before credits & paid funds$260,673The complete starting cash picture.
Estimated remaining funds due at closing
$260,673No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$246,947.19
Your down payment$246,947.19
Closing costs + prepaids$13,725.89
Total buyer cash needed$260,673.07
Remaining funds due$260,673.07
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%)$5,490.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,510.26
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$560.50
Prepaid interest, first (26 days)$697.12
Fees + prepaids$13,725.89
Your down payment is the seller’s equity. You take over the $302,053 balance, so the rest of the $549,000 price is paid at closing. A second mortgage can cover part of it. $260,673.07 is due at closing. Uses and sources reconcile at $562,725.89 each. Not a Closing Disclosure.