Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$285,945Cash toward the purchase price.
Closing costs + prepaids$13,359Not just lender fees.
Before credits & paid funds$299,304The complete starting cash picture.
Estimated remaining funds due at closing
$299,304No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$285,944.71
Your down payment$285,944.71
Closing costs + prepaids$13,359.40
Total buyer cash needed$299,304.11
Remaining funds due$299,304.11
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%)$1,319.78
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$660.00
Initial HOA (3 months)$315.00
Prepaid interest, first (6 days)$97.63
Fees + prepaids$13,359.40
Your down payment is the seller’s equity. You take over the $263,955 balance, so the rest of the $549,900 price is paid at closing. A second mortgage can cover part of it. $299,304.11 is due at closing. Uses and sources reconcile at $563,259.40 each. Not a Closing Disclosure.