Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$304,120Cash toward the purchase price.
Closing costs + prepaids$13,160Not just lender fees.
Before credits & paid funds$317,280The complete starting cash picture.
Estimated remaining funds due at closing
$317,280No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$304,120.30
Your down payment$304,120.30
Closing costs + prepaids$13,159.65
Total buyer cash needed$317,279.96
Remaining funds due$317,279.96
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%)$5,100.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,029.40
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$672.25
Initial HOA (3 months)$285.00
Prepaid interest, first (31 days)$605.00
Fees + prepaids$13,159.65
Your down payment is the seller’s equity. You take over the $205,880 balance, so the rest of the $510,000 price is paid at closing. A second mortgage can cover part of it. $317,279.96 is due at closing. Uses and sources reconcile at $523,159.65 each. Not a Closing Disclosure.