Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$302,947Cash toward the purchase price.
Closing costs + prepaids$13,372Not just lender fees.
Before credits & paid funds$316,319The complete starting cash picture.
Estimated remaining funds due at closing
$316,319No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$302,947.14
Your down payment$302,947.14
Closing costs + prepaids$13,372.30
Total buyer cash needed$316,319.43
Remaining funds due$316,319.43
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%)$5,499.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,235.26
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$583.75
Initial HOA (3 months)$16.74
Prepaid interest, first (30 days)$568.56
Fees + prepaids$13,372.30
Your down payment is the seller’s equity. You take over the $247,052 balance, so the rest of the $549,999 price is paid at closing. A second mortgage can cover part of it. $316,319.43 is due at closing. Uses and sources reconcile at $563,371.30 each. Not a Closing Disclosure.