Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$255,112Cash toward the purchase price.
Closing costs + prepaids$14,438Not just lender fees.
Before credits & paid funds$269,550The complete starting cash picture.
Estimated remaining funds due at closing
$269,550No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$255,112.15
Your down payment$255,112.15
Closing costs + prepaids$14,438.03
Total buyer cash needed$269,550.18
Remaining funds due$269,550.18
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%)$5,749.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,598.94
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$739.75
Initial HOA (3 months)$384.00
Prepaid interest, first (18 days)$498.34
Fees + prepaids$14,438.03
Your down payment is the seller’s equity. You take over the $319,788 balance, so the rest of the $574,900 price is paid at closing. A second mortgage can cover part of it. $269,550.18 is due at closing. Uses and sources reconcile at $589,338.03 each. Not a Closing Disclosure.