Follow the dollars · Assumption only
A complete cash picture for Dec 17, 2026
Your down payment$246,161Cash toward the purchase price.
Closing costs + prepaids$16,205Not just lender fees.
Before credits & paid funds$262,365The complete starting cash picture.
Estimated remaining funds due at closing
$262,365No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$246,160.52
Your down payment$246,160.52
Closing costs + prepaids$16,204.90
Total buyer cash needed$262,365.43
Remaining funds due$262,365.43
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%)$6,189.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,863.70
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$773.75
Initial HOA (3 months)$1,431.00
Prepaid interest, first (15 days)$479.46
Fees + prepaids$16,204.90
Your down payment is the seller’s equity. You take over the $372,739 balance, so the rest of the $618,900 price is paid at closing. A second mortgage can cover part of it. $262,365.43 is due at closing. Uses and sources reconcile at $635,104.90 each. Not a Closing Disclosure.