Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$301,815Cash toward the purchase price.
Closing costs + prepaids$13,830Not just lender fees.
Before credits & paid funds$315,645The complete starting cash picture.
Estimated remaining funds due at closing
$315,645No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$301,815.24
Your down payment$301,815.24
Closing costs + prepaids$13,829.61
Total buyer cash needed$315,644.85
Remaining funds due$315,644.85
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%)$5,500.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,240.92
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$724.00
Initial HOA (3 months)$285.00
Prepaid interest, first (26 days)$611.69
Fees + prepaids$13,829.61
Your down payment is the seller’s equity. You take over the $248,185 balance, so the rest of the $550,000 price is paid at closing. A second mortgage can cover part of it. $315,644.85 is due at closing. Uses and sources reconcile at $563,829.61 each. Not a Closing Disclosure.