Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$293,461Cash toward the purchase price.
Closing costs + prepaids$13,620Not just lender fees.
Before credits & paid funds$307,081The complete starting cash picture.
Estimated remaining funds due at closing
$307,081No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$293,460.55
Your down payment$293,460.55
Closing costs + prepaids$13,620.43
Total buyer cash needed$307,080.98
Remaining funds due$307,080.98
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%)$5,100.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,082.70
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$904.00
Initial HOA (3 months)$417.00
Prepaid interest, first (27 days)$648.73
Fees + prepaids$13,620.43
Your down payment is the seller’s equity. You take over the $216,539 balance, so the rest of the $510,000 price is paid at closing. A second mortgage can cover part of it. $307,080.98 is due at closing. Uses and sources reconcile at $523,620.43 each. Not a Closing Disclosure.