Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$309,024Cash toward the purchase price.
Closing costs + prepaids$14,877Not just lender fees.
Before credits & paid funds$323,901The complete starting cash picture.
Estimated remaining funds due at closing
$323,901No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$309,024.11
Your down payment$309,024.11
Closing costs + prepaids$14,877.15
Total buyer cash needed$323,901.26
Remaining funds due$323,901.26
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%)$1,204.38
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,365.00
Initial HOA (3 months)$1,305.00
Prepaid interest, first (2 days)$35.77
Fees + prepaids$14,877.15
Your down payment is the seller’s equity. You take over the $240,876 balance, so the rest of the $549,900 price is paid at closing. A second mortgage can cover part of it. $323,901.26 is due at closing. Uses and sources reconcile at $564,777.15 each. Not a Closing Disclosure.