Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$304,362Cash toward the purchase price.
Closing costs + prepaids$13,949Not just lender fees.
Before credits & paid funds$318,311The complete starting cash picture.
Estimated remaining funds due at closing
$318,311No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$304,361.97
Your down payment$304,361.97
Closing costs + prepaids$13,948.56
Total buyer cash needed$318,310.53
Remaining funds due$318,310.53
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%)$5,220.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,088.19
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$309.00
Initial HOA (3 months)$1,185.00
Prepaid interest, first (31 days)$678.37
Fees + prepaids$13,948.56
Your down payment is the seller’s equity. You take over the $217,638 balance, so the rest of the $522,000 price is paid at closing. A second mortgage can cover part of it. $318,310.53 is due at closing. Uses and sources reconcile at $535,948.56 each. Not a Closing Disclosure.