Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$285,795Cash toward the purchase price.
Closing costs + prepaids$15,530Not just lender fees.
Before credits & paid funds$301,325The complete starting cash picture.
Estimated remaining funds due at closing
$301,325No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$285,795.47
Your down payment$285,795.47
Closing costs + prepaids$15,529.55
Total buyer cash needed$301,325.02
Remaining funds due$301,325.02
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%)$5,350.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,246.02
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,337.50
Initial HOA (3 months)$1,575.00
Prepaid interest, first (27 days)$553.03
Fees + prepaids$15,529.55
Your down payment is the seller’s equity. You take over the $249,205 balance, so the rest of the $535,000 price is paid at closing. A second mortgage can cover part of it. $301,325.02 is due at closing. Uses and sources reconcile at $550,529.55 each. Not a Closing Disclosure.