Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$277,297Cash toward the purchase price.
Closing costs + prepaids$15,628Not just lender fees.
Before credits & paid funds$292,925The complete starting cash picture.
Estimated remaining funds due at closing
$292,925No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$277,297.38
Your down payment$277,297.38
Closing costs + prepaids$15,628.11
Total buyer cash needed$292,925.49
Remaining funds due$292,925.49
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%)$6,599.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,913.01
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$792.00
Initial HOA (3 months)$528.00
Prepaid interest, first (10 days)$328.09
Fees + prepaids$15,628.11
Your down payment is the seller’s equity. You take over the $382,603 balance, so the rest of the $659,900 price is paid at closing. A second mortgage can cover part of it. $292,925.49 is due at closing. Uses and sources reconcile at $675,528.11 each. Not a Closing Disclosure.