Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$295,234Cash toward the purchase price.
Closing costs + prepaids$13,050Not just lender fees.
Before credits & paid funds$308,284The complete starting cash picture.
Estimated remaining funds due at closing
$308,284No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$295,233.94
Your down payment$295,233.94
Closing costs + prepaids$13,050.19
Total buyer cash needed$308,284.13
Remaining funds due$308,284.13
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%)$5,100.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,073.83
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$328.00
Initial HOA (3 months)$35.01
Prepaid interest, first (27 days)$1,045.35
Fees + prepaids$13,050.19
Your down payment is the seller’s equity. You take over the $214,766 balance, so the rest of the $510,000 price is paid at closing. A second mortgage can cover part of it. $308,284.13 is due at closing. Uses and sources reconcile at $523,050.19 each. Not a Closing Disclosure.