Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$285,945Cash toward the purchase price.
Closing costs + prepaids$13,457Not just lender fees.
Before credits & paid funds$299,402The complete starting cash picture.
Estimated remaining funds due at closing
$299,402No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$285,944.71
Your down payment$285,944.71
Closing costs + prepaids$13,457.03
Total buyer cash needed$299,401.74
Remaining funds due$299,401.74
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%)$1,319.78
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$660.00
Initial HOA (3 months)$315.00
Prepaid interest, first (12 days)$195.25
Fees + prepaids$13,457.03
Your down payment is the seller’s equity. You take over the $263,955 balance, so the rest of the $549,900 price is paid at closing. A second mortgage can cover part of it. $299,401.74 is due at closing. Uses and sources reconcile at $563,357.03 each. Not a Closing Disclosure.