Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$310,416Cash toward the purchase price.
Closing costs + prepaids$14,111Not just lender fees.
Before credits & paid funds$324,527The complete starting cash picture.
Estimated remaining funds due at closing
$324,527No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$310,415.94
Your down payment$310,415.94
Closing costs + prepaids$14,111.38
Total buyer cash needed$324,527.32
Remaining funds due$324,527.32
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%)$1,197.42
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,189.75
Initial HOA (3 months)$252.00
Prepaid interest, first (22 days)$505.21
Fees + prepaids$14,111.38
Your down payment is the seller’s equity. You take over the $239,484 balance, so the rest of the $549,900 price is paid at closing. A second mortgage can cover part of it. $324,527.32 is due at closing. Uses and sources reconcile at $564,011.38 each. Not a Closing Disclosure.