Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$312,855Cash toward the purchase price.
Closing costs + prepaids$13,336Not just lender fees.
Before credits & paid funds$326,191The complete starting cash picture.
Estimated remaining funds due at closing
$326,191No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$312,854.70
Your down payment$312,854.70
Closing costs + prepaids$13,335.96
Total buyer cash needed$326,190.66
Remaining funds due$326,190.66
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%)$1,185.72
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$591.50
Initial HOA (3 months)$62.01
Prepaid interest, first (26 days)$528.73
Fees + prepaids$13,335.96
Your down payment is the seller’s equity. You take over the $237,144 balance, so the rest of the $549,999 price is paid at closing. A second mortgage can cover part of it. $326,190.66 is due at closing. Uses and sources reconcile at $563,334.96 each. Not a Closing Disclosure.