Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$301,530Cash toward the purchase price.
Closing costs + prepaids$13,692Not just lender fees.
Before credits & paid funds$315,221The complete starting cash picture.
Estimated remaining funds due at closing
$315,221No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$301,529.65
Your down payment$301,529.65
Closing costs + prepaids$13,691.52
Total buyer cash needed$315,221.17
Remaining funds due$315,221.17
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%)$1,237.35
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$771.25
Prepaid interest, first (27 days)$724.92
Fees + prepaids$13,691.52
Your down payment is the seller’s equity. You take over the $247,470 balance, so the rest of the $549,000 price is paid at closing. A second mortgage can cover part of it. $315,221.17 is due at closing. Uses and sources reconcile at $562,691.52 each. Not a Closing Disclosure.