Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$243,584Cash toward the purchase price.
Closing costs + prepaids$14,876Not just lender fees.
Before credits & paid funds$258,460The complete starting cash picture.
Estimated remaining funds due at closing
$258,460No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$243,584.30
Your down payment$243,584.30
Closing costs + prepaids$14,875.62
Total buyer cash needed$258,459.92
Remaining funds due$258,459.92
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%)$4,959.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,261.58
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$2,413.50
Prepaid interest, first (30 days)$773.54
Fees + prepaids$14,875.62
Your down payment is the seller’s equity. You take over the $252,316 balance, so the rest of the $495,900 price is paid at closing. A second mortgage can cover part of it. $258,459.92 is due at closing. Uses and sources reconcile at $510,775.62 each. Not a Closing Disclosure.