Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$290,075Cash toward the purchase price.
Closing costs + prepaids$13,194Not just lender fees.
Before credits & paid funds$303,270The complete starting cash picture.
Estimated remaining funds due at closing
$303,270No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$290,075.45
Your down payment$290,075.45
Closing costs + prepaids$13,194.49
Total buyer cash needed$303,269.94
Remaining funds due$303,269.94
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%)$5,499.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,299.12
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$660.00
Prepaid interest, first (10 days)$268.37
Fees + prepaids$13,194.49
Your down payment is the seller’s equity. You take over the $259,825 balance, so the rest of the $549,900 price is paid at closing. A second mortgage can cover part of it. $303,269.94 is due at closing. Uses and sources reconcile at $563,094.49 each. Not a Closing Disclosure.