Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$244,936Cash toward the purchase price.
Closing costs + prepaids$13,509Not just lender fees.
Before credits & paid funds$258,445The complete starting cash picture.
Estimated remaining funds due at closing
$258,445No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$244,935.97
Your down payment$244,935.97
Closing costs + prepaids$13,509.21
Total buyer cash needed$258,445.18
Remaining funds due$258,445.18
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%)$5,100.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,325.32
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$612.00
Initial HOA (3 months)$741.00
Prepaid interest, first (10 days)$262.89
Fees + prepaids$13,509.21
Your down payment is the seller’s equity. You take over the $265,064 balance, so the rest of the $510,000 price is paid at closing. A second mortgage can cover part of it. $258,445.18 is due at closing. Uses and sources reconcile at $523,509.21 each. Not a Closing Disclosure.