Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$295,806Cash toward the purchase price.
Closing costs + prepaids$12,790Not just lender fees.
Before credits & paid funds$308,597The complete starting cash picture.
Estimated remaining funds due at closing
$308,597No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$295,806.48
Your down payment$295,806.48
Closing costs + prepaids$12,790.25
Total buyer cash needed$308,596.73
Remaining funds due$308,596.73
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%)$1,165.97
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$634.75
Prepaid interest, first (12 days)$231.53
Fees + prepaids$12,790.25
Your down payment is the seller’s equity. You take over the $233,194 balance, so the rest of the $529,000 price is paid at closing. A second mortgage can cover part of it. $308,596.73 is due at closing. Uses and sources reconcile at $541,790.25 each. Not a Closing Disclosure.