Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$287,713Cash toward the purchase price.
Closing costs + prepaids$9,196Not just lender fees.
Before credits & paid funds$296,909The complete starting cash picture.
Estimated remaining funds due at closing
$296,909No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$287,712.66
Your down payment$287,712.66
Closing costs + prepaids$9,196.36
Total buyer cash needed$296,909.02
Remaining funds due$296,909.02
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%)$3,299.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$210.94
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$383.75
Prepaid interest, first (18 days)$84.68
Fees + prepaids$9,196.36
Your down payment is the seller’s equity. You take over the $42,187 balance, so the rest of the $329,900 price is paid at closing. A second mortgage can cover part of it. $296,909.02 is due at closing. Uses and sources reconcile at $339,096.36 each. Not a Closing Disclosure.