Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$283,462Cash toward the purchase price.
Closing costs + prepaids$13,404Not just lender fees.
Before credits & paid funds$296,865The complete starting cash picture.
Estimated remaining funds due at closing
$296,865No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$283,461.60
Your down payment$283,461.60
Closing costs + prepaids$13,403.68
Total buyer cash needed$296,865.28
Remaining funds due$296,865.28
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%)$5,395.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,280.19
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$524.25
Initial HOA (3 months)$45.99
Prepaid interest, first (30 days)$690.25
Fees + prepaids$13,403.68
Your down payment is the seller’s equity. You take over the $256,038 balance, so the rest of the $539,500 price is paid at closing. A second mortgage can cover part of it. $296,865.28 is due at closing. Uses and sources reconcile at $552,903.68 each. Not a Closing Disclosure.