Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$251,296Cash toward the purchase price.
Closing costs + prepaids$13,872Not just lender fees.
Before credits & paid funds$265,168The complete starting cash picture.
Estimated remaining funds due at closing
$265,168No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$251,295.79
Your down payment$251,295.79
Closing costs + prepaids$13,871.91
Total buyer cash needed$265,167.70
Remaining funds due$265,167.70
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%)$5,450.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,468.52
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$634.25
Initial HOA (3 months)$69.00
Prepaid interest, first (30 days)$782.14
Fees + prepaids$13,871.91
Your down payment is the seller’s equity. You take over the $293,704 balance, so the rest of the $545,000 price is paid at closing. A second mortgage can cover part of it. $265,167.70 is due at closing. Uses and sources reconcile at $558,871.91 each. Not a Closing Disclosure.