Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$349,992Cash toward the purchase price.
Closing costs + prepaids$13,229Not just lender fees.
Before credits & paid funds$363,221The complete starting cash picture.
Estimated remaining funds due at closing
$363,221No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$349,992.26
Your down payment$349,992.26
Closing costs + prepaids$13,228.62
Total buyer cash needed$363,220.87
Remaining funds due$363,220.87
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%)$5,295.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$897.54
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$653.25
Initial HOA (3 months)$460.50
Prepaid interest, first (31 days)$454.33
Fees + prepaids$13,228.62
Your down payment is the seller’s equity. You take over the $179,508 balance, so the rest of the $529,500 price is paid at closing. A second mortgage can cover part of it. $363,220.87 is due at closing. Uses and sources reconcile at $542,728.62 each. Not a Closing Disclosure.