Follow the dollars · Assumption only
A complete cash picture for Dec 27, 2026
Your down payment$244,267Cash toward the purchase price.
Closing costs + prepaids$10,304Not just lender fees.
Before credits & paid funds$254,570The complete starting cash picture.
Estimated remaining funds due at closing
$254,570No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$244,266.54
Your down payment$244,266.54
Closing costs + prepaids$10,303.92
Total buyer cash needed$254,570.46
Remaining funds due$254,570.46
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%)$2,849.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$203.17
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$726.50
Initial HOA (3 months)$1,290.00
Prepaid interest, first (5 days)$17.26
Fees + prepaids$10,303.92
Your down payment is the seller’s equity. You take over the $40,633 balance, so the rest of the $284,900 price is paid at closing. A second mortgage can cover part of it. $254,570.46 is due at closing. Uses and sources reconcile at $295,203.92 each. Not a Closing Disclosure.