Follow the dollars · Assumption only
A complete cash picture for Dec 28, 2026
Your down payment$239,259Cash toward the purchase price.
Closing costs + prepaids$15,410Not just lender fees.
Before credits & paid funds$254,669The complete starting cash picture.
Estimated remaining funds due at closing
$254,669No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$239,259.47
Your down payment$239,259.47
Closing costs + prepaids$15,409.90
Total buyer cash needed$254,669.37
Remaining funds due$254,669.37
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%)$6,139.90
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,873.65
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,565.75
Initial HOA (3 months)$147.00
Prepaid interest, first (4 days)$215.60
Fees + prepaids$15,409.90
Your down payment is the seller’s equity. You take over the $374,731 balance, so the rest of the $613,990 price is paid at closing. A second mortgage can cover part of it. $254,669.37 is due at closing. Uses and sources reconcile at $629,399.90 each. Not a Closing Disclosure.