Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$243,890Cash toward the purchase price.
Closing costs + prepaids$17,541Not just lender fees.
Before credits & paid funds$261,430The complete starting cash picture.
Estimated remaining funds due at closing
$261,430No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$243,889.86
Your down payment$243,889.86
Closing costs + prepaids$17,540.60
Total buyer cash needed$261,430.46
Remaining funds due$261,430.46
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%)$7,150.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,355.55
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$858.00
Initial HOA (3 months)$585.00
Prepaid interest, first (9 days)$374.05
Fees + prepaids$17,540.60
Your down payment is the seller’s equity. You take over the $471,110 balance, so the rest of the $715,000 price is paid at closing. A second mortgage can cover part of it. $261,430.46 is due at closing. Uses and sources reconcile at $732,540.60 each. Not a Closing Disclosure.