Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$230,672Cash toward the purchase price.
Closing costs + prepaids$14,403Not just lender fees.
Before credits & paid funds$245,075The complete starting cash picture.
Estimated remaining funds due at closing
$245,075No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$230,671.69
Your down payment$230,671.69
Closing costs + prepaids$14,402.87
Total buyer cash needed$245,074.55
Remaining funds due$245,074.55
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%)$5,390.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,541.64
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,347.50
Prepaid interest, first (27 days)$655.73
Fees + prepaids$14,402.87
Your down payment is the seller’s equity. You take over the $308,328 balance, so the rest of the $539,000 price is paid at closing. A second mortgage can cover part of it. $245,074.55 is due at closing. Uses and sources reconcile at $553,402.87 each. Not a Closing Disclosure.