Follow the dollars · Assumption only
A complete cash picture for Dec 27, 2026
Your down payment$303,514Cash toward the purchase price.
Closing costs + prepaids$12,963Not just lender fees.
Before credits & paid funds$316,477The complete starting cash picture.
Estimated remaining funds due at closing
$316,477No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$303,513.62
Your down payment$303,513.62
Closing costs + prepaids$12,963.36
Total buyer cash needed$316,476.98
Remaining funds due$316,476.98
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%)$5,099.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,031.93
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,300.25
Prepaid interest, first (5 days)$64.18
Fees + prepaids$12,963.36
Your down payment is the seller’s equity. You take over the $206,386 balance, so the rest of the $509,900 price is paid at closing. A second mortgage can cover part of it. $316,476.98 is due at closing. Uses and sources reconcile at $522,863.36 each. Not a Closing Disclosure.