Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$247,231Cash toward the purchase price.
Closing costs + prepaids$17,866Not just lender fees.
Before credits & paid funds$265,096The complete starting cash picture.
Estimated remaining funds due at closing
$265,096No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$247,230.72
Your down payment$247,230.72
Closing costs + prepaids$17,865.60
Total buyer cash needed$265,096.32
Remaining funds due$265,096.32
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%)$7,599.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,563.84
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$755.50
Prepaid interest, first (18 days)$728.27
Fees + prepaids$17,865.60
Your down payment is the seller’s equity. You take over the $512,768 balance, so the rest of the $759,999 price is paid at closing. A second mortgage can cover part of it. $265,096.32 is due at closing. Uses and sources reconcile at $777,864.60 each. Not a Closing Disclosure.