Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$255,112Cash toward the purchase price.
Closing costs + prepaids$14,798Not just lender fees.
Before credits & paid funds$269,910The complete starting cash picture.
Estimated remaining funds due at closing
$269,910No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$255,112.15
Your down payment$255,112.15
Closing costs + prepaids$14,797.95
Total buyer cash needed$269,910.09
Remaining funds due$269,910.09
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%)$5,749.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,598.94
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$739.75
Initial HOA (3 months)$384.00
Prepaid interest, first (31 days)$858.26
Fees + prepaids$14,797.95
Your down payment is the seller’s equity. You take over the $319,788 balance, so the rest of the $574,900 price is paid at closing. A second mortgage can cover part of it. $269,910.09 is due at closing. Uses and sources reconcile at $589,697.95 each. Not a Closing Disclosure.