Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$347,512Cash toward the purchase price.
Closing costs + prepaids$12,781Not just lender fees.
Before credits & paid funds$360,294The complete starting cash picture.
Estimated remaining funds due at closing
$360,294No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$347,512.24
Your down payment$347,512.24
Closing costs + prepaids$12,781.37
Total buyer cash needed$360,293.61
Remaining funds due$360,293.61
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%)$5,199.90
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$862.39
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$467.25
Initial HOA (3 months)$318.00
Prepaid interest, first (31 days)$465.83
Fees + prepaids$12,781.37
Your down payment is the seller’s equity. You take over the $172,478 balance, so the rest of the $519,990 price is paid at closing. A second mortgage can cover part of it. $360,293.61 is due at closing. Uses and sources reconcile at $532,771.37 each. Not a Closing Disclosure.