Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$258,174Cash toward the purchase price.
Closing costs + prepaids$16,095Not just lender fees.
Before credits & paid funds$274,269The complete starting cash picture.
Estimated remaining funds due at closing
$274,269No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$258,174.02
Your down payment$258,174.02
Closing costs + prepaids$16,094.55
Total buyer cash needed$274,268.57
Remaining funds due$274,268.57
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%)$5,850.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,634.13
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$531.50
Initial HOA (3 months)$1,731.00
Prepaid interest, first (31 days)$879.92
Fees + prepaids$16,094.55
Your down payment is the seller’s equity. You take over the $326,826 balance, so the rest of the $585,000 price is paid at closing. A second mortgage can cover part of it. $274,268.57 is due at closing. Uses and sources reconcile at $601,094.55 each. Not a Closing Disclosure.