Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$243,680Cash toward the purchase price.
Closing costs + prepaids$14,253Not just lender fees.
Before credits & paid funds$257,933The complete starting cash picture.
Estimated remaining funds due at closing
$257,933No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$243,679.54
Your down payment$243,679.54
Closing costs + prepaids$14,253.36
Total buyer cash needed$257,932.91
Remaining funds due$257,932.91
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%)$5,490.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,526.60
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,506.25
Initial HOA (3 months)$196.26
Prepaid interest, first (2 days)$66.25
Fees + prepaids$14,253.36
Your down payment is the seller’s equity. You take over the $305,320 balance, so the rest of the $549,000 price is paid at closing. A second mortgage can cover part of it. $257,932.91 is due at closing. Uses and sources reconcile at $563,253.36 each. Not a Closing Disclosure.