Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$330,319Cash toward the purchase price.
Closing costs + prepaids$13,731Not just lender fees.
Before credits & paid funds$344,050The complete starting cash picture.
Estimated remaining funds due at closing
$344,050No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$330,318.70
Your down payment$330,318.70
Closing costs + prepaids$13,731.34
Total buyer cash needed$344,050.04
Remaining funds due$344,050.04
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%)$5,499.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,097.91
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$584.00
Initial HOA (3 months)$536.01
Prepaid interest, first (31 days)$546.43
Fees + prepaids$13,731.34
Your down payment is the seller’s equity. You take over the $219,581 balance, so the rest of the $549,900 price is paid at closing. A second mortgage can cover part of it. $344,050.04 is due at closing. Uses and sources reconcile at $563,631.34 each. Not a Closing Disclosure.