Follow the dollars · Assumption only
A complete cash picture for Dec 15, 2026
Your down payment$243,250Cash toward the purchase price.
Closing costs + prepaids$13,334Not just lender fees.
Before credits & paid funds$256,584The complete starting cash picture.
Estimated remaining funds due at closing
$256,584No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$243,250.23
Your down payment$243,250.23
Closing costs + prepaids$13,334.13
Total buyer cash needed$256,584.35
Remaining funds due$256,584.35
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%)$5,350.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,458.75
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$668.75
Prepaid interest, first (17 days)$388.63
Fees + prepaids$13,334.13
Your down payment is the seller’s equity. You take over the $291,750 balance, so the rest of the $535,000 price is paid at closing. A second mortgage can cover part of it. $256,584.35 is due at closing. Uses and sources reconcile at $548,334.13 each. Not a Closing Disclosure.