Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$298,017Cash toward the purchase price.
Closing costs + prepaids$13,406Not just lender fees.
Before credits & paid funds$311,423The complete starting cash picture.
Estimated remaining funds due at closing
$311,423No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$298,016.97
Your down payment$298,016.97
Closing costs + prepaids$13,405.95
Total buyer cash needed$311,422.92
Remaining funds due$311,422.92
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%)$5,290.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,154.92
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$929.75
Prepaid interest, first (23 days)$563.28
Fees + prepaids$13,405.95
Your down payment is the seller’s equity. You take over the $230,983 balance, so the rest of the $529,000 price is paid at closing. A second mortgage can cover part of it. $311,422.92 is due at closing. Uses and sources reconcile at $542,405.95 each. Not a Closing Disclosure.