Follow the dollars · Assumption only
A complete cash picture for Dec 28, 2026
Your down payment$258,247Cash toward the purchase price.
Closing costs + prepaids$15,068Not just lender fees.
Before credits & paid funds$273,315The complete starting cash picture.
Estimated remaining funds due at closing
$273,315No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$258,247.48
Your down payment$258,247.48
Closing costs + prepaids$15,067.75
Total buyer cash needed$273,315.23
Remaining funds due$273,315.23
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%)$6,150.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,783.76
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,568.25
Prepaid interest, first (4 days)$97.74
Fees + prepaids$15,067.75
Your down payment is the seller’s equity. You take over the $356,753 balance, so the rest of the $615,000 price is paid at closing. A second mortgage can cover part of it. $273,315.23 is due at closing. Uses and sources reconcile at $630,067.75 each. Not a Closing Disclosure.