Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$246,070Cash toward the purchase price.
Closing costs + prepaids$15,308Not just lender fees.
Before credits & paid funds$261,378The complete starting cash picture.
Estimated remaining funds due at closing
$261,378No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$246,069.57
Your down payment$246,069.57
Closing costs + prepaids$15,308.32
Total buyer cash needed$261,377.89
Remaining funds due$261,377.89
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%)$6,100.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,819.65
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$973.50
Initial HOA (3 months)$185.01
Prepaid interest, first (28 days)$762.16
Fees + prepaids$15,308.32
Your down payment is the seller’s equity. You take over the $363,930 balance, so the rest of the $610,000 price is paid at closing. A second mortgage can cover part of it. $261,377.89 is due at closing. Uses and sources reconcile at $625,308.32 each. Not a Closing Disclosure.