Follow the dollars · Assumption only
A complete cash picture for Dec 12, 2026
Your down payment$258,081Cash toward the purchase price.
Closing costs + prepaids$12,913Not just lender fees.
Before credits & paid funds$270,994The complete starting cash picture.
Estimated remaining funds due at closing
$270,994No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$258,080.69
Your down payment$258,080.69
Closing costs + prepaids$12,913.05
Total buyer cash needed$270,993.74
Remaining funds due$270,993.74
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%)$5,049.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,234.10
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$640.75
Initial HOA (3 months)$129.00
Prepaid interest, first (20 days)$392.21
Fees + prepaids$12,913.05
Your down payment is the seller’s equity. You take over the $246,819 balance, so the rest of the $504,900 price is paid at closing. A second mortgage can cover part of it. $270,993.74 is due at closing. Uses and sources reconcile at $517,813.05 each. Not a Closing Disclosure.