Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$243,547Cash toward the purchase price.
Closing costs + prepaids$15,106Not just lender fees.
Before credits & paid funds$258,653The complete starting cash picture.
Estimated remaining funds due at closing
$258,653No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$243,546.71
Your down payment$243,546.71
Closing costs + prepaids$15,105.82
Total buyer cash needed$258,652.54
Remaining funds due$258,652.54
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%)$6,299.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,932.26
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$756.00
Initial HOA (3 months)$315.00
Prepaid interest, first (10 days)$334.57
Fees + prepaids$15,105.82
Your down payment is the seller’s equity. You take over the $386,452 balance, so the rest of the $629,999 price is paid at closing. A second mortgage can cover part of it. $258,652.54 is due at closing. Uses and sources reconcile at $645,104.82 each. Not a Closing Disclosure.