Follow the dollars · Assumption only
A complete cash picture for Dec 12, 2026
Your down payment$254,278Cash toward the purchase price.
Closing costs + prepaids$15,550Not just lender fees.
Before credits & paid funds$269,828The complete starting cash picture.
Estimated remaining funds due at closing
$269,828No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$254,277.77
Your down payment$254,277.77
Closing costs + prepaids$15,550.20
Total buyer cash needed$269,827.98
Remaining funds due$269,827.98
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%)$6,590.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,023.61
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$487.50
Initial HOA (3 months)$216.00
Prepaid interest, first (20 days)$765.09
Fees + prepaids$15,550.20
Your down payment is the seller’s equity. You take over the $404,722 balance, so the rest of the $659,000 price is paid at closing. A second mortgage can cover part of it. $269,827.98 is due at closing. Uses and sources reconcile at $674,550.20 each. Not a Closing Disclosure.