Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$297,994Cash toward the purchase price.
Closing costs + prepaids$13,377Not just lender fees.
Before credits & paid funds$311,372The complete starting cash picture.
Estimated remaining funds due at closing
$311,372No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$297,994.48
Your down payment$297,994.48
Closing costs + prepaids$13,377.07
Total buyer cash needed$311,371.55
Remaining funds due$311,371.55
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%)$5,149.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,084.53
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,287.25
Prepaid interest, first (22 days)$388.29
Fees + prepaids$13,377.07
Your down payment is the seller’s equity. You take over the $216,906 balance, so the rest of the $514,900 price is paid at closing. A second mortgage can cover part of it. $311,371.55 is due at closing. Uses and sources reconcile at $528,277.07 each. Not a Closing Disclosure.