Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$255,934Cash toward the purchase price.
Closing costs + prepaids$13,279Not just lender fees.
Before credits & paid funds$269,213The complete starting cash picture.
Estimated remaining funds due at closing
$269,213No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$255,934.10
Your down payment$255,934.10
Closing costs + prepaids$13,279.39
Total buyer cash needed$269,213.50
Remaining funds due$269,213.50
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%)$5,499.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,469.83
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$61.00
Initial HOA (3 months)$75.00
Prepaid interest, first (31 days)$706.57
Fees + prepaids$13,279.39
Your down payment is the seller’s equity. You take over the $293,966 balance, so the rest of the $549,900 price is paid at closing. A second mortgage can cover part of it. $269,213.50 is due at closing. Uses and sources reconcile at $563,179.39 each. Not a Closing Disclosure.