Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$298,592Cash toward the purchase price.
Closing costs + prepaids$13,457Not just lender fees.
Before credits & paid funds$312,049The complete starting cash picture.
Estimated remaining funds due at closing
$312,049No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$298,592.11
Your down payment$298,592.11
Closing costs + prepaids$13,457.36
Total buyer cash needed$312,049.48
Remaining funds due$312,049.48
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%)$1,232.04
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$801.25
Initial HOA (3 months)$20.01
Prepaid interest, first (25 days)$486.06
Fees + prepaids$13,457.36
Your down payment is the seller’s equity. You take over the $246,408 balance, so the rest of the $545,000 price is paid at closing. A second mortgage can cover part of it. $312,049.48 is due at closing. Uses and sources reconcile at $558,457.36 each. Not a Closing Disclosure.