Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$300,799Cash toward the purchase price.
Closing costs + prepaids$13,014Not just lender fees.
Before credits & paid funds$313,813The complete starting cash picture.
Estimated remaining funds due at closing
$313,813No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$300,798.91
Your down payment$300,798.91
Closing costs + prepaids$13,014.20
Total buyer cash needed$313,813.10
Remaining funds due$313,813.10
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%)$5,390.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,191.01
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$561.75
Prepaid interest, first (22 days)$403.44
Fees + prepaids$13,014.20
Your down payment is the seller’s equity. You take over the $238,201 balance, so the rest of the $539,000 price is paid at closing. A second mortgage can cover part of it. $313,813.10 is due at closing. Uses and sources reconcile at $552,014.20 each. Not a Closing Disclosure.