Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$290,390Cash toward the purchase price.
Closing costs + prepaids$13,648Not just lender fees.
Before credits & paid funds$304,038The complete starting cash picture.
Estimated remaining funds due at closing
$304,038No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$290,389.90
Your down payment$290,389.90
Closing costs + prepaids$13,648.04
Total buyer cash needed$304,037.94
Remaining funds due$304,037.94
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%)$5,490.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,293.05
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$781.00
Initial HOA (3 months)$92.25
Prepaid interest, first (24 days)$523.74
Fees + prepaids$13,648.04
Your down payment is the seller’s equity. You take over the $258,610 balance, so the rest of the $549,000 price is paid at closing. A second mortgage can cover part of it. $304,037.94 is due at closing. Uses and sources reconcile at $562,648.04 each. Not a Closing Disclosure.