Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$315,691Cash toward the purchase price.
Closing costs + prepaids$13,760Not just lender fees.
Before credits & paid funds$329,451The complete starting cash picture.
Estimated remaining funds due at closing
$329,451No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$315,690.99
Your down payment$315,690.99
Closing costs + prepaids$13,759.61
Total buyer cash needed$329,450.60
Remaining funds due$329,450.60
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%)$1,221.05
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$441.00
Initial HOA (3 months)$315.00
Prepaid interest, first (31 days)$715.57
Fees + prepaids$13,759.61
Your down payment is the seller’s equity. You take over the $244,209 balance, so the rest of the $559,900 price is paid at closing. A second mortgage can cover part of it. $329,450.60 is due at closing. Uses and sources reconcile at $573,659.61 each. Not a Closing Disclosure.