Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$248,479Cash toward the purchase price.
Closing costs + prepaids$10,081Not just lender fees.
Before credits & paid funds$258,560The complete starting cash picture.
Estimated remaining funds due at closing
$258,560No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$248,479.08
Your down payment$248,479.08
Closing costs + prepaids$10,080.70
Total buyer cash needed$258,559.77
Remaining funds due$258,559.77
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%)$3,249.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$382.10
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$812.25
Initial HOA (3 months)$50.01
Prepaid interest, first (30 days)$369.33
Fees + prepaids$10,080.70
Your down payment is the seller’s equity. You take over the $76,421 balance, so the rest of the $324,900 price is paid at closing. A second mortgage can cover part of it. $258,559.77 is due at closing. Uses and sources reconcile at $334,980.70 each. Not a Closing Disclosure.