Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$290,502Cash toward the purchase price.
Closing costs + prepaids$13,256Not just lender fees.
Before credits & paid funds$303,758The complete starting cash picture.
Estimated remaining funds due at closing
$303,758No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$290,502.01
Your down payment$290,502.01
Closing costs + prepaids$13,256.16
Total buyer cash needed$303,758.18
Remaining funds due$303,758.18
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%)$5,450.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,272.49
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$441.00
Prepaid interest, first (31 days)$624.67
Fees + prepaids$13,256.16
Your down payment is the seller’s equity. You take over the $254,498 balance, so the rest of the $545,000 price is paid at closing. A second mortgage can cover part of it. $303,758.18 is due at closing. Uses and sources reconcile at $558,256.16 each. Not a Closing Disclosure.