Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$293,120Cash toward the purchase price.
Closing costs + prepaids$14,582Not just lender fees.
Before credits & paid funds$307,702The complete starting cash picture.
Estimated remaining funds due at closing
$307,702No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$293,120.25
Your down payment$293,120.25
Closing costs + prepaids$14,582.05
Total buyer cash needed$307,702.30
Remaining funds due$307,702.30
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%)$5,790.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,429.40
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$536.00
Initial HOA (3 months)$720.00
Prepaid interest, first (27 days)$638.65
Fees + prepaids$14,582.05
Your down payment is the seller’s equity. You take over the $285,880 balance, so the rest of the $579,000 price is paid at closing. A second mortgage can cover part of it. $307,702.30 is due at closing. Uses and sources reconcile at $593,582.05 each. Not a Closing Disclosure.