Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$258,592Cash toward the purchase price.
Closing costs + prepaids$13,197Not just lender fees.
Before credits & paid funds$271,789The complete starting cash picture.
Estimated remaining funds due at closing
$271,789No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$258,591.95
Your down payment$258,591.95
Closing costs + prepaids$13,197.23
Total buyer cash needed$271,789.19
Remaining funds due$271,789.19
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%)$5,500.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,457.04
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Prepaid interest, first (31 days)$772.19
Fees + prepaids$13,197.23
Your down payment is the seller’s equity. You take over the $291,408 balance, so the rest of the $550,000 price is paid at closing. A second mortgage can cover part of it. $271,789.19 is due at closing. Uses and sources reconcile at $563,197.23 each. Not a Closing Disclosure.