Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$289,369Cash toward the purchase price.
Closing costs + prepaids$13,778Not just lender fees.
Before credits & paid funds$303,147The complete starting cash picture.
Estimated remaining funds due at closing
$303,147No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$289,368.84
Your down payment$289,368.84
Closing costs + prepaids$13,778.33
Total buyer cash needed$303,147.17
Remaining funds due$303,147.17
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%)$5,499.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,302.66
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$994.75
Prepaid interest, first (24 days)$513.92
Fees + prepaids$13,778.33
Your down payment is the seller’s equity. You take over the $260,531 balance, so the rest of the $549,900 price is paid at closing. A second mortgage can cover part of it. $303,147.17 is due at closing. Uses and sources reconcile at $563,678.33 each. Not a Closing Disclosure.