Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$231,224Cash toward the purchase price.
Closing costs + prepaids$15,021Not just lender fees.
Before credits & paid funds$246,245The complete starting cash picture.
Estimated remaining funds due at closing
$246,245No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$231,224.00
Your down payment$231,224.00
Closing costs + prepaids$15,021.25
Total buyer cash needed$246,245.26
Remaining funds due$246,245.26
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%)$6,049.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,868.38
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$577.25
Initial HOA (3 months)$257.01
Prepaid interest, first (27 days)$801.61
Fees + prepaids$15,021.25
Your down payment is the seller’s equity. You take over the $373,676 balance, so the rest of the $604,900 price is paid at closing. A second mortgage can cover part of it. $246,245.26 is due at closing. Uses and sources reconcile at $619,921.25 each. Not a Closing Disclosure.