Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$306,208Cash toward the purchase price.
Closing costs + prepaids$22,983Not just lender fees.
Before credits & paid funds$329,191The complete starting cash picture.
Estimated remaining funds due at closing
$329,191No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$306,208.18
Your down payment$306,208.18
Closing costs + prepaids$22,983.00
Total buyer cash needed$329,191.19
Remaining funds due$329,191.19
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%)$9,150.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,043.96
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,891.25
Initial HOA (3 months)$1,623.00
Prepaid interest, first (22 days)$1,056.80
Fees + prepaids$22,983.00
Your down payment is the seller’s equity. You take over the $608,792 balance, so the rest of the $915,000 price is paid at closing. A second mortgage can cover part of it. $329,191.19 is due at closing. Uses and sources reconcile at $937,983.00 each. Not a Closing Disclosure.