Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$307,919Cash toward the purchase price.
Closing costs + prepaids$13,833Not just lender fees.
Before credits & paid funds$321,752The complete starting cash picture.
Estimated remaining funds due at closing
$321,752No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$307,919.14
Your down payment$307,919.14
Closing costs + prepaids$13,833.15
Total buyer cash needed$321,752.28
Remaining funds due$321,752.28
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%)$5,399.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,160.40
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$703.50
Initial HOA (3 months)$690.00
Prepaid interest, first (22 days)$411.26
Fees + prepaids$13,833.15
Your down payment is the seller’s equity. You take over the $232,080 balance, so the rest of the $539,999 price is paid at closing. A second mortgage can cover part of it. $321,752.28 is due at closing. Uses and sources reconcile at $553,832.15 each. Not a Closing Disclosure.