Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$306,292Cash toward the purchase price.
Closing costs + prepaids$13,747Not just lender fees.
Before credits & paid funds$320,039The complete starting cash picture.
Estimated remaining funds due at closing
$320,039No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$306,291.78
Your down payment$306,291.78
Closing costs + prepaids$13,747.20
Total buyer cash needed$320,038.98
Remaining funds due$320,038.98
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%)$5,599.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,268.04
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$515.50
Prepaid interest, first (29 days)$896.66
Fees + prepaids$13,747.20
Your down payment is the seller’s equity. You take over the $253,608 balance, so the rest of the $559,900 price is paid at closing. A second mortgage can cover part of it. $320,038.98 is due at closing. Uses and sources reconcile at $573,647.20 each. Not a Closing Disclosure.