Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$253,109Cash toward the purchase price.
Closing costs + prepaids$14,435Not just lender fees.
Before credits & paid funds$267,544The complete starting cash picture.
Estimated remaining funds due at closing
$267,544No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$253,108.88
Your down payment$253,108.88
Closing costs + prepaids$14,434.89
Total buyer cash needed$267,543.77
Remaining funds due$267,543.77
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%)$5,499.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,484.45
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$687.50
Initial HOA (3 months)$885.00
Prepaid interest, first (18 days)$409.95
Fees + prepaids$14,434.89
Your down payment is the seller’s equity. You take over the $296,890 balance, so the rest of the $549,999 price is paid at closing. A second mortgage can cover part of it. $267,543.77 is due at closing. Uses and sources reconcile at $564,433.89 each. Not a Closing Disclosure.