Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$281,764Cash toward the purchase price.
Closing costs + prepaids$14,832Not just lender fees.
Before credits & paid funds$296,596The complete starting cash picture.
Estimated remaining funds due at closing
$296,596No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$281,763.66
Your down payment$281,763.66
Closing costs + prepaids$14,832.46
Total buyer cash needed$296,596.12
Remaining funds due$296,596.12
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%)$5,290.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,236.18
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,025.50
Initial HOA (3 months)$750.00
Prepaid interest, first (30 days)$1,062.78
Fees + prepaids$14,832.46
Your down payment is the seller’s equity. You take over the $247,236 balance, so the rest of the $529,000 price is paid at closing. A second mortgage can cover part of it. $296,596.12 is due at closing. Uses and sources reconcile at $543,832.46 each. Not a Closing Disclosure.