Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$304,565Cash toward the purchase price.
Closing costs + prepaids$14,319Not just lender fees.
Before credits & paid funds$318,884The complete starting cash picture.
Estimated remaining funds due at closing
$318,884No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$304,564.67
Your down payment$304,564.67
Closing costs + prepaids$14,318.87
Total buyer cash needed$318,883.54
Remaining funds due$318,883.54
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%)$5,150.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,052.18
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,287.50
Initial HOA (3 months)$765.00
Prepaid interest, first (27 days)$596.19
Fees + prepaids$14,318.87
Your down payment is the seller’s equity. You take over the $210,435 balance, so the rest of the $515,000 price is paid at closing. A second mortgage can cover part of it. $318,883.54 is due at closing. Uses and sources reconcile at $529,318.87 each. Not a Closing Disclosure.