Follow the dollars · Assumption only
A complete cash picture for Dec 12, 2026
Your down payment$290,599Cash toward the purchase price.
Closing costs + prepaids$13,879Not just lender fees.
Before credits & paid funds$304,478The complete starting cash picture.
Estimated remaining funds due at closing
$304,478No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$290,599.14
Your down payment$290,599.14
Closing costs + prepaids$13,879.14
Total buyer cash needed$304,478.29
Remaining funds due$304,478.29
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%)$5,307.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,200.50
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$939.75
Initial HOA (3 months)$510.00
Prepaid interest, first (20 days)$453.89
Fees + prepaids$13,879.14
Your down payment is the seller’s equity. You take over the $240,101 balance, so the rest of the $530,700 price is paid at closing. A second mortgage can cover part of it. $304,478.29 is due at closing. Uses and sources reconcile at $544,579.14 each. Not a Closing Disclosure.