Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$298,451Cash toward the purchase price.
Closing costs + prepaids$13,342Not just lender fees.
Before credits & paid funds$311,793The complete starting cash picture.
Estimated remaining funds due at closing
$311,793No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$298,450.78
Your down payment$298,450.78
Closing costs + prepaids$13,342.32
Total buyer cash needed$311,793.10
Remaining funds due$311,793.10
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%)$5,400.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,207.75
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$599.50
Prepaid interest, first (28 days)$667.07
Fees + prepaids$13,342.32
Your down payment is the seller’s equity. You take over the $241,549 balance, so the rest of the $540,000 price is paid at closing. A second mortgage can cover part of it. $311,793.10 is due at closing. Uses and sources reconcile at $553,342.32 each. Not a Closing Disclosure.