Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$309,217Cash toward the purchase price.
Closing costs + prepaids$14,561Not just lender fees.
Before credits & paid funds$323,778The complete starting cash picture.
Estimated remaining funds due at closing
$323,778No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$309,217.05
Your down payment$309,217.05
Closing costs + prepaids$14,560.97
Total buyer cash needed$323,778.02
Remaining funds due$323,778.02
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%)$5,299.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,103.91
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$2,052.00
Initial HOA (3 months)$255.99
Prepaid interest, first (25 days)$381.08
Fees + prepaids$14,560.97
Your down payment is the seller’s equity. You take over the $220,782 balance, so the rest of the $529,999 price is paid at closing. A second mortgage can cover part of it. $323,778.02 is due at closing. Uses and sources reconcile at $544,559.97 each. Not a Closing Disclosure.