Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$257,157Cash toward the purchase price.
Closing costs + prepaids$13,538Not just lender fees.
Before credits & paid funds$270,694The complete starting cash picture.
Estimated remaining funds due at closing
$270,694No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$257,156.56
Your down payment$257,156.56
Closing costs + prepaids$13,537.83
Total buyer cash needed$270,694.39
Remaining funds due$270,694.39
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%)$5,499.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,463.72
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$401.00
Prepaid interest, first (31 days)$706.11
Fees + prepaids$13,537.83
Your down payment is the seller’s equity. You take over the $292,743 balance, so the rest of the $549,900 price is paid at closing. A second mortgage can cover part of it. $270,694.39 is due at closing. Uses and sources reconcile at $563,437.83 each. Not a Closing Disclosure.