Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$296,562Cash toward the purchase price.
Closing costs + prepaids$13,268Not just lender fees.
Before credits & paid funds$309,830The complete starting cash picture.
Estimated remaining funds due at closing
$309,830No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$296,562.27
Your down payment$296,562.27
Closing costs + prepaids$13,267.77
Total buyer cash needed$309,830.03
Remaining funds due$309,830.03
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%)$5,499.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,267.18
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$598.75
Initial HOA (3 months)$27.51
Prepaid interest, first (22 days)$406.33
Fees + prepaids$13,267.77
Your down payment is the seller’s equity. You take over the $253,437 balance, so the rest of the $549,999 price is paid at closing. A second mortgage can cover part of it. $309,830.03 is due at closing. Uses and sources reconcile at $563,266.77 each. Not a Closing Disclosure.