Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$231,415Cash toward the purchase price.
Closing costs + prepaids$14,093Not just lender fees.
Before credits & paid funds$245,509The complete starting cash picture.
Estimated remaining funds due at closing
$245,509No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$231,415.25
Your down payment$231,415.25
Closing costs + prepaids$14,093.35
Total buyer cash needed$245,508.60
Remaining funds due$245,508.60
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%)$5,499.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,592.42
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$735.50
Initial HOA (3 months)$129.00
Prepaid interest, first (28 days)$669.43
Fees + prepaids$14,093.35
Your down payment is the seller’s equity. You take over the $318,485 balance, so the rest of the $549,900 price is paid at closing. A second mortgage can cover part of it. $245,508.60 is due at closing. Uses and sources reconcile at $563,993.35 each. Not a Closing Disclosure.