Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$248,605Cash toward the purchase price.
Closing costs + prepaids$13,668Not just lender fees.
Before credits & paid funds$262,273The complete starting cash picture.
Estimated remaining funds due at closing
$262,273No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$248,604.73
Your down payment$248,604.73
Closing costs + prepaids$13,667.97
Total buyer cash needed$262,272.71
Remaining funds due$262,272.71
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%)$1,501.98
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$658.75
Initial HOA (3 months)$330.00
Prepaid interest, first (9 days)$219.25
Fees + prepaids$13,667.97
Your down payment is the seller’s equity. You take over the $300,395 balance, so the rest of the $549,000 price is paid at closing. A second mortgage can cover part of it. $262,272.71 is due at closing. Uses and sources reconcile at $562,667.97 each. Not a Closing Disclosure.