Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$252,861Cash toward the purchase price.
Closing costs + prepaids$13,454Not just lender fees.
Before credits & paid funds$266,315The complete starting cash picture.
Estimated remaining funds due at closing
$266,315No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$252,861.11
Your down payment$252,861.11
Closing costs + prepaids$13,453.54
Total buyer cash needed$266,314.64
Remaining funds due$266,314.64
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%)$5,490.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,480.69
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$686.25
Prepaid interest, first (18 days)$328.59
Fees + prepaids$13,453.54
Your down payment is the seller’s equity. You take over the $296,139 balance, so the rest of the $549,000 price is paid at closing. A second mortgage can cover part of it. $266,314.64 is due at closing. Uses and sources reconcile at $562,453.54 each. Not a Closing Disclosure.