Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$294,614Cash toward the purchase price.
Closing costs + prepaids$13,857Not just lender fees.
Before credits & paid funds$308,471The complete starting cash picture.
Estimated remaining funds due at closing
$308,471No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$294,614.09
Your down payment$294,614.09
Closing costs + prepaids$13,857.33
Total buyer cash needed$308,471.42
Remaining funds due$308,471.42
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%)$5,499.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,276.92
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$811.00
Prepaid interest, first (23 days)$801.42
Fees + prepaids$13,857.33
Your down payment is the seller’s equity. You take over the $255,385 balance, so the rest of the $549,999 price is paid at closing. A second mortgage can cover part of it. $308,471.42 is due at closing. Uses and sources reconcile at $563,856.33 each. Not a Closing Disclosure.