Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$332,470Cash toward the purchase price.
Closing costs + prepaids$13,362Not just lender fees.
Before credits & paid funds$345,831The complete starting cash picture.
Estimated remaining funds due at closing
$345,831No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$332,469.86
Your down payment$332,469.86
Closing costs + prepaids$13,361.54
Total buyer cash needed$345,831.40
Remaining funds due$345,831.40
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%)$5,428.88
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,052.09
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 (1 days)$40.82
Fees + prepaids$13,361.54
Your down payment is the seller’s equity. You take over the $210,418 balance, so the rest of the $542,888 price is paid at closing. A second mortgage can cover part of it. $345,831.40 is due at closing. Uses and sources reconcile at $556,249.54 each. Not a Closing Disclosure.