Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$329,704Cash toward the purchase price.
Closing costs + prepaids$14,553Not just lender fees.
Before credits & paid funds$344,257The complete starting cash picture.
Estimated remaining funds due at closing
$344,257No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$329,703.90
Your down payment$329,703.90
Closing costs + prepaids$14,553.42
Total buyer cash needed$344,257.32
Remaining funds due$344,257.32
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%)$5,398.88
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$14,553.42
Your down payment is the seller’s equity. You take over the $210,184 balance, so the rest of the $539,888 price is paid at closing. A second mortgage can cover part of it. $344,257.32 is due at closing. Uses and sources reconcile at $554,441.42 each. Not a Closing Disclosure.