Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$304,225Cash toward the purchase price.
Closing costs + prepaids$14,092Not just lender fees.
Before credits & paid funds$318,317The complete starting cash picture.
Estimated remaining funds due at closing
$318,317No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$304,225.10
Your down payment$304,225.10
Closing costs + prepaids$14,091.70
Total buyer cash needed$318,316.80
Remaining funds due$318,316.80
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%)$5,499.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,228.37
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,374.75
Prepaid interest, first (27 days)$521.57
Fees + prepaids$14,091.70
Your down payment is the seller’s equity. You take over the $245,675 balance, so the rest of the $549,900 price is paid at closing. A second mortgage can cover part of it. $318,316.80 is due at closing. Uses and sources reconcile at $563,991.70 each. Not a Closing Disclosure.