Follow the dollars · Assumption only
A complete cash picture for Dec 27, 2026
Your down payment$241,132Cash toward the purchase price.
Closing costs + prepaids$15,992Not just lender fees.
Before credits & paid funds$257,123The complete starting cash picture.
Estimated remaining funds due at closing
$257,123No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$241,131.56
Your down payment$241,131.56
Closing costs + prepaids$15,991.69
Total buyer cash needed$257,123.25
Remaining funds due$257,123.25
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%)$6,449.45
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,019.07
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,644.50
Initial HOA (3 months)$141.00
Prepaid interest, first (5 days)$269.67
Fees + prepaids$15,991.69
Your down payment is the seller’s equity. You take over the $403,813 balance, so the rest of the $644,945 price is paid at closing. A second mortgage can cover part of it. $257,123.25 is due at closing. Uses and sources reconcile at $660,936.69 each. Not a Closing Disclosure.