Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$256,484Cash toward the purchase price.
Closing costs + prepaids$12,881Not just lender fees.
Before credits & paid funds$269,365The complete starting cash picture.
Estimated remaining funds due at closing
$269,365No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$256,483.86
Your down payment$256,483.86
Closing costs + prepaids$12,880.74
Total buyer cash needed$269,364.60
Remaining funds due$269,364.60
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%)$5,499.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,467.08
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$401.00
Prepaid interest, first (2 days)$45.66
Fees + prepaids$12,880.74
Your down payment is the seller’s equity. You take over the $293,416 balance, so the rest of the $549,900 price is paid at closing. A second mortgage can cover part of it. $269,364.60 is due at closing. Uses and sources reconcile at $562,780.74 each. Not a Closing Disclosure.