Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$266,444Cash toward the purchase price.
Closing costs + prepaids$15,581Not just lender fees.
Before credits & paid funds$282,025The complete starting cash picture.
Estimated remaining funds due at closing
$282,025No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$266,444.02
Your down payment$266,444.02
Closing costs + prepaids$15,581.42
Total buyer cash needed$282,025.43
Remaining funds due$282,025.43
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%)$6,250.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,792.78
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$992.50
Initial HOA (3 months)$240.00
Prepaid interest, first (27 days)$838.14
Fees + prepaids$15,581.42
Your down payment is the seller’s equity. You take over the $358,556 balance, so the rest of the $625,000 price is paid at closing. A second mortgage can cover part of it. $282,025.43 is due at closing. Uses and sources reconcile at $640,581.42 each. Not a Closing Disclosure.