Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$297,894Cash toward the purchase price.
Closing costs + prepaids$13,718Not just lender fees.
Before credits & paid funds$311,612The complete starting cash picture.
Estimated remaining funds due at closing
$311,612No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$297,894.05
Your down payment$297,894.05
Closing costs + prepaids$13,718.12
Total buyer cash needed$311,612.17
Remaining funds due$311,612.17
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%)$5,450.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,235.53
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$826.75
Initial HOA (3 months)$294.00
Prepaid interest, first (22 days)$443.84
Fees + prepaids$13,718.12
Your down payment is the seller’s equity. You take over the $247,106 balance, so the rest of the $545,000 price is paid at closing. A second mortgage can cover part of it. $311,612.17 is due at closing. Uses and sources reconcile at $558,718.12 each. Not a Closing Disclosure.