Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$243,995Cash toward the purchase price.
Closing costs + prepaids$13,656Not just lender fees.
Before credits & paid funds$257,651The complete starting cash picture.
Estimated remaining funds due at closing
$257,651No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$243,994.86
Your down payment$243,994.86
Closing costs + prepaids$13,655.77
Total buyer cash needed$257,650.63
Remaining funds due$257,650.63
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%)$5,100.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,330.03
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,275.00
Prepaid interest, first (18 days)$482.74
Fees + prepaids$13,655.77
Your down payment is the seller’s equity. You take over the $266,005 balance, so the rest of the $510,000 price is paid at closing. A second mortgage can cover part of it. $257,650.63 is due at closing. Uses and sources reconcile at $523,655.77 each. Not a Closing Disclosure.