Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$332,704Cash toward the purchase price.
Closing costs + prepaids$14,583Not just lender fees.
Before credits & paid funds$347,287The complete starting cash picture.
Estimated remaining funds due at closing
$347,287No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$332,703.90
Your down payment$332,703.90
Closing costs + prepaids$14,583.42
Total buyer cash needed$347,287.32
Remaining funds due$347,287.32
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%)$5,428.88
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,050.92
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$525.75
Initial HOA (3 months)$846.00
Prepaid interest, first (31 days)$1,263.87
Fees + prepaids$14,583.42
Your down payment is the seller’s equity. You take over the $210,184 balance, so the rest of the $542,888 price is paid at closing. A second mortgage can cover part of it. $347,287.32 is due at closing. Uses and sources reconcile at $557,471.42 each. Not a Closing Disclosure.