Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$258,121Cash toward the purchase price.
Closing costs + prepaids$13,024Not just lender fees.
Before credits & paid funds$271,144The complete starting cash picture.
Estimated remaining funds due at closing
$271,144No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$258,120.52
Your down payment$258,120.52
Closing costs + prepaids$13,023.71
Total buyer cash needed$271,144.23
Remaining funds due$271,144.23
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%)$5,550.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,484.40
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$386.25
Initial HOA (3 months)$83.01
Prepaid interest, first (2 days)$52.06
Fees + prepaids$13,023.71
Your down payment is the seller’s equity. You take over the $296,879 balance, so the rest of the $555,000 price is paid at closing. A second mortgage can cover part of it. $271,144.23 is due at closing. Uses and sources reconcile at $568,023.71 each. Not a Closing Disclosure.