Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$249,359Cash toward the purchase price.
Closing costs + prepaids$12,783Not just lender fees.
Before credits & paid funds$262,142The complete starting cash picture.
Estimated remaining funds due at closing
$262,142No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$249,359.48
Your down payment$249,359.48
Closing costs + prepaids$12,782.54
Total buyer cash needed$262,142.02
Remaining funds due$262,142.02
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%)$5,150.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,328.20
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$618.00
Prepaid interest, first (10 days)$218.33
Fees + prepaids$12,782.54
Your down payment is the seller’s equity. You take over the $265,641 balance, so the rest of the $515,000 price is paid at closing. A second mortgage can cover part of it. $262,142.02 is due at closing. Uses and sources reconcile at $527,782.54 each. Not a Closing Disclosure.