Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$298,434Cash toward the purchase price.
Closing costs + prepaids$14,770Not just lender fees.
Before credits & paid funds$313,204The complete starting cash picture.
Estimated remaining funds due at closing
$313,204No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$298,433.93
Your down payment$298,433.93
Closing costs + prepaids$14,770.40
Total buyer cash needed$313,204.33
Remaining funds due$313,204.33
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%)$5,590.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,302.83
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,397.50
Initial HOA (3 months)$375.00
Prepaid interest, first (23 days)$637.07
Fees + prepaids$14,770.40
Your down payment is the seller’s equity. You take over the $260,566 balance, so the rest of the $559,000 price is paid at closing. A second mortgage can cover part of it. $313,204.33 is due at closing. Uses and sources reconcile at $573,770.40 each. Not a Closing Disclosure.