Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$300,447Cash toward the purchase price.
Closing costs + prepaids$9,144Not just lender fees.
Before credits & paid funds$309,591The complete starting cash picture.
Estimated remaining funds due at closing
$309,591No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$300,446.86
Your down payment$300,446.86
Closing costs + prepaids$9,144.41
Total buyer cash needed$309,591.27
Remaining funds due$309,591.27
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%)$3,090.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$42.77
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$772.50
Prepaid interest, first (24 days)$21.15
Fees + prepaids$9,144.41
Your down payment is the seller’s equity. You take over the $8,553 balance, so the rest of the $309,000 price is paid at closing. A second mortgage can cover part of it. $309,591.27 is due at closing. Uses and sources reconcile at $318,144.41 each. Not a Closing Disclosure.