Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$247,231Cash toward the purchase price.
Closing costs + prepaids$18,392Not just lender fees.
Before credits & paid funds$265,622The complete starting cash picture.
Estimated remaining funds due at closing
$265,622No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$247,230.72
Your down payment$247,230.72
Closing costs + prepaids$18,391.58
Total buyer cash needed$265,622.29
Remaining funds due$265,622.29
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%)$7,599.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,563.84
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$755.50
Prepaid interest, first (31 days)$1,254.25
Fees + prepaids$18,391.58
Your down payment is the seller’s equity. You take over the $512,768 balance, so the rest of the $759,999 price is paid at closing. A second mortgage can cover part of it. $265,622.29 is due at closing. Uses and sources reconcile at $778,390.58 each. Not a Closing Disclosure.