Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$259,783Cash toward the purchase price.
Closing costs + prepaids$16,493Not just lender fees.
Before credits & paid funds$276,276The complete starting cash picture.
Estimated remaining funds due at closing
$276,276No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$259,783.44
Your down payment$259,783.44
Closing costs + prepaids$16,493.02
Total buyer cash needed$276,276.46
Remaining funds due$276,276.46
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%)$6,749.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,075.58
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$714.50
Initial HOA (3 months)$69.99
Prepaid interest, first (25 days)$1,415.95
Fees + prepaids$16,493.02
Your down payment is the seller’s equity. You take over the $415,117 balance, so the rest of the $674,900 price is paid at closing. A second mortgage can cover part of it. $276,276.46 is due at closing. Uses and sources reconcile at $691,393.02 each. Not a Closing Disclosure.