Follow the dollars · Assumption only
A complete cash picture for Dec 12, 2026
Your down payment$283,329Cash toward the purchase price.
Closing costs + prepaids$14,560Not just lender fees.
Before credits & paid funds$297,890The complete starting cash picture.
Estimated remaining funds due at closing
$297,890No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$283,329.26
Your down payment$283,329.26
Closing costs + prepaids$14,560.24
Total buyer cash needed$297,889.51
Remaining funds due$297,889.51
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%)$5,799.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,482.85
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$860.50
Initial HOA (3 months)$438.00
Prepaid interest, first (20 days)$511.89
Fees + prepaids$14,560.24
Your down payment is the seller’s equity. You take over the $296,571 balance, so the rest of the $579,900 price is paid at closing. A second mortgage can cover part of it. $297,889.51 is due at closing. Uses and sources reconcile at $594,460.24 each. Not a Closing Disclosure.