Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$289,482Cash toward the purchase price.
Closing costs + prepaids$14,468Not just lender fees.
Before credits & paid funds$303,950The complete starting cash picture.
Estimated remaining funds due at closing
$303,950No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$289,481.73
Your down payment$289,481.73
Closing costs + prepaids$14,468.48
Total buyer cash needed$303,950.21
Remaining funds due$303,950.21
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%)$5,550.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,327.59
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$937.00
Prepaid interest, first (26 days)$1,185.88
Fees + prepaids$14,468.48
Your down payment is the seller’s equity. You take over the $265,518 balance, so the rest of the $555,000 price is paid at closing. A second mortgage can cover part of it. $303,950.21 is due at closing. Uses and sources reconcile at $569,468.48 each. Not a Closing Disclosure.