Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$250,225Cash toward the purchase price.
Closing costs + prepaids$13,837Not just lender fees.
Before credits & paid funds$264,062The complete starting cash picture.
Estimated remaining funds due at closing
$264,062No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$250,225.36
Your down payment$250,225.36
Closing costs + prepaids$13,837.01
Total buyer cash needed$264,062.37
Remaining funds due$264,062.37
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%)$5,140.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,318.87
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,021.25
Prepaid interest, first (30 days)$888.88
Fees + prepaids$13,837.01
Your down payment is the seller’s equity. You take over the $263,775 balance, so the rest of the $514,000 price is paid at closing. A second mortgage can cover part of it. $264,062.37 is due at closing. Uses and sources reconcile at $527,837.01 each. Not a Closing Disclosure.