Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$278,039Cash toward the purchase price.
Closing costs + prepaids$15,487Not just lender fees.
Before credits & paid funds$293,526The complete starting cash picture.
Estimated remaining funds due at closing
$293,526No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$278,038.83
Your down payment$278,038.83
Closing costs + prepaids$15,487.01
Total buyer cash needed$293,525.84
Remaining funds due$293,525.84
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%)$6,499.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,859.31
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$847.50
Prepaid interest, first (26 days)$813.20
Fees + prepaids$15,487.01
Your down payment is the seller’s equity. You take over the $371,861 balance, so the rest of the $649,900 price is paid at closing. A second mortgage can cover part of it. $293,525.84 is due at closing. Uses and sources reconcile at $665,387.01 each. Not a Closing Disclosure.