Follow the dollars · Assumption only
A complete cash picture for Dec 11, 2026
Your down payment$266,444Cash toward the purchase price.
Closing costs + prepaids$15,395Not just lender fees.
Before credits & paid funds$281,839The complete starting cash picture.
Estimated remaining funds due at closing
$281,839No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$266,444.02
Your down payment$266,444.02
Closing costs + prepaids$15,395.16
Total buyer cash needed$281,839.18
Remaining funds due$281,839.18
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%)$6,250.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,792.78
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$992.50
Initial HOA (3 months)$240.00
Prepaid interest, first (21 days)$651.88
Fees + prepaids$15,395.16
Your down payment is the seller’s equity. You take over the $358,556 balance, so the rest of the $625,000 price is paid at closing. A second mortgage can cover part of it. $281,839.18 is due at closing. Uses and sources reconcile at $640,395.16 each. Not a Closing Disclosure.