Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$263,547Cash toward the purchase price.
Closing costs + prepaids$15,727Not just lender fees.
Before credits & paid funds$279,274The complete starting cash picture.
Estimated remaining funds due at closing
$279,274No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$263,546.71
Your down payment$263,546.71
Closing costs + prepaids$15,726.89
Total buyer cash needed$279,273.60
Remaining funds due$279,273.60
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%)$6,499.99
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)$641.75
Initial HOA (3 months)$315.00
Prepaid interest, first (26 days)$869.89
Fees + prepaids$15,726.89
Your down payment is the seller’s equity. You take over the $386,452 balance, so the rest of the $649,999 price is paid at closing. A second mortgage can cover part of it. $279,273.60 is due at closing. Uses and sources reconcile at $665,725.89 each. Not a Closing Disclosure.