Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$283,329Cash toward the purchase price.
Closing costs + prepaids$14,114Not just lender fees.
Before credits & paid funds$297,443The complete starting cash picture.
Estimated remaining funds due at closing
$297,443No 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$14,114.20
Total buyer cash needed$297,443.47
Remaining funds due$297,443.47
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)$696.00
Initial HOA (3 months)$438.00
Prepaid interest, first (9 days)$230.35
Fees + prepaids$14,114.20
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. $297,443.47 is due at closing. Uses and sources reconcile at $594,014.20 each. Not a Closing Disclosure.