Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$248,605Cash toward the purchase price.
Closing costs + prepaids$14,017Not just lender fees.
Before credits & paid funds$262,621The complete starting cash picture.
Estimated remaining funds due at closing
$262,621No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$248,604.73
Your down payment$248,604.73
Closing costs + prepaids$14,016.66
Total buyer cash needed$262,621.40
Remaining funds due$262,621.40
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%)$5,490.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,501.98
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$471.50
Initial HOA (3 months)$330.00
Prepaid interest, first (31 days)$755.19
Fees + prepaids$14,016.66
Your down payment is the seller’s equity. You take over the $300,395 balance, so the rest of the $549,000 price is paid at closing. A second mortgage can cover part of it. $262,621.40 is due at closing. Uses and sources reconcile at $563,016.66 each. Not a Closing Disclosure.