Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$243,778Cash toward the purchase price.
Closing costs + prepaids$15,329Not just lender fees.
Before credits & paid funds$259,107The complete starting cash picture.
Estimated remaining funds due at closing
$259,107No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$243,777.61
Your down payment$243,777.61
Closing costs + prepaids$15,329.37
Total buyer cash needed$259,106.98
Remaining funds due$259,106.98
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%)$2,155.61
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$632.75
Initial HOA (3 months)$251.01
Prepaid interest, first (2 days)$73.00
Fees + prepaids$15,329.37
Your down payment is the seller’s equity. You take over the $431,122 balance, so the rest of the $674,900 price is paid at closing. A second mortgage can cover part of it. $259,106.98 is due at closing. Uses and sources reconcile at $690,229.37 each. Not a Closing Disclosure.