Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$302,627Cash toward the purchase price.
Closing costs + prepaids$13,867Not just lender fees.
Before credits & paid funds$316,494The complete starting cash picture.
Estimated remaining funds due at closing
$316,494No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$302,627.15
Your down payment$302,627.15
Closing costs + prepaids$13,866.52
Total buyer cash needed$316,493.67
Remaining funds due$316,493.67
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%)$5,583.55
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,278.64
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$89.00
Initial HOA (3 months)$1,098.00
Prepaid interest, first (18 days)$349.33
Fees + prepaids$13,866.52
Your down payment is the seller’s equity. You take over the $255,728 balance, so the rest of the $558,355 price is paid at closing. A second mortgage can cover part of it. $316,493.67 is due at closing. Uses and sources reconcile at $572,221.52 each. Not a Closing Disclosure.