Follow the dollars · Assumption only
A complete cash picture for Dec 25, 2026
Your down payment$246,442Cash toward the purchase price.
Closing costs + prepaids$9,932Not just lender fees.
Before credits & paid funds$256,374The complete starting cash picture.
Estimated remaining funds due at closing
$256,374No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$246,441.81
Your down payment$246,441.81
Closing costs + prepaids$9,932.00
Total buyer cash needed$256,373.81
Remaining funds due$256,373.81
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%)$2,949.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$242.79
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$354.00
Initial HOA (3 months)$1,131.00
Prepaid interest, first (7 days)$36.22
Fees + prepaids$9,932.00
Your down payment is the seller’s equity. You take over the $48,557 balance, so the rest of the $294,999 price is paid at closing. A second mortgage can cover part of it. $256,373.81 is due at closing. Uses and sources reconcile at $304,931.00 each. Not a Closing Disclosure.