Follow the dollars · Assumption only
A complete cash picture for Dec 19, 2026
Your down payment$234,808Cash toward the purchase price.
Closing costs + prepaids$13,583Not just lender fees.
Before credits & paid funds$248,391The complete starting cash picture.
Estimated remaining funds due at closing
$248,391No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$234,807.54
Your down payment$234,807.54
Closing costs + prepaids$13,582.97
Total buyer cash needed$248,390.51
Remaining funds due$248,390.51
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%)$5,495.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,573.46
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$687.00
Initial HOA (3 months)$62.49
Prepaid interest, first (13 days)$297.02
Fees + prepaids$13,582.97
Your down payment is the seller’s equity. You take over the $314,692 balance, so the rest of the $549,500 price is paid at closing. A second mortgage can cover part of it. $248,390.51 is due at closing. Uses and sources reconcile at $563,082.97 each. Not a Closing Disclosure.