Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$302,309Cash toward the purchase price.
Closing costs + prepaids$14,881Not just lender fees.
Before credits & paid funds$317,190The complete starting cash picture.
Estimated remaining funds due at closing
$317,190No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$302,308.85
Your down payment$302,308.85
Closing costs + prepaids$14,880.79
Total buyer cash needed$317,189.64
Remaining funds due$317,189.64
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%)$5,749.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,363.45
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,437.50
Prepaid interest, first (28 days)$861.85
Fees + prepaids$14,880.79
Your down payment is the seller’s equity. You take over the $272,690 balance, so the rest of the $574,999 price is paid at closing. A second mortgage can cover part of it. $317,189.64 is due at closing. Uses and sources reconcile at $589,879.79 each. Not a Closing Disclosure.