Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$321,662Cash toward the purchase price.
Closing costs + prepaids$13,261Not just lender fees.
Before credits & paid funds$334,923The complete starting cash picture.
Estimated remaining funds due at closing
$334,923No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$321,661.97
Your down payment$321,661.97
Closing costs + prepaids$13,261.40
Total buyer cash needed$334,923.37
Remaining funds due$334,923.37
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%)$5,150.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$966.69
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$832.75
Initial HOA (3 months)$330.00
Prepaid interest, first (31 days)$513.96
Fees + prepaids$13,261.40
Your down payment is the seller’s equity. You take over the $193,338 balance, so the rest of the $515,000 price is paid at closing. A second mortgage can cover part of it. $334,923.37 is due at closing. Uses and sources reconcile at $528,261.40 each. Not a Closing Disclosure.