Follow the dollars · Assumption only
A complete cash picture for Dec 15, 2026
Your down payment$254,914Cash toward the purchase price.
Closing costs + prepaids$14,429Not just lender fees.
Before credits & paid funds$269,343The complete starting cash picture.
Estimated remaining funds due at closing
$269,343No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$254,914.35
Your down payment$254,914.35
Closing costs + prepaids$14,428.63
Total buyer cash needed$269,342.98
Remaining funds due$269,342.98
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%)$5,850.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,650.43
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$731.25
Initial HOA (3 months)$114.00
Prepaid interest, first (17 days)$614.95
Fees + prepaids$14,428.63
Your down payment is the seller’s equity. You take over the $330,086 balance, so the rest of the $585,000 price is paid at closing. A second mortgage can cover part of it. $269,342.98 is due at closing. Uses and sources reconcile at $599,428.63 each. Not a Closing Disclosure.