Follow the dollars · Assumption only
A complete cash picture for Dec 13, 2026
Your down payment$258,007Cash toward the purchase price.
Closing costs + prepaids$15,328Not just lender fees.
Before credits & paid funds$273,336The complete starting cash picture.
Estimated remaining funds due at closing
$273,336No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$258,007.27
Your down payment$258,007.27
Closing costs + prepaids$15,328.44
Total buyer cash needed$273,335.71
Remaining funds due$273,335.71
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%)$6,350.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,884.96
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$862.25
Initial HOA (3 months)$200.01
Prepaid interest, first (19 days)$563.22
Fees + prepaids$15,328.44
Your down payment is the seller’s equity. You take over the $376,993 balance, so the rest of the $635,000 price is paid at closing. A second mortgage can cover part of it. $273,335.71 is due at closing. Uses and sources reconcile at $650,328.44 each. Not a Closing Disclosure.