Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$327,124Cash toward the purchase price.
Closing costs + prepaids$12,738Not just lender fees.
Before credits & paid funds$339,862The complete starting cash picture.
Estimated remaining funds due at closing
$339,862No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$327,123.74
Your down payment$327,123.74
Closing costs + prepaids$12,738.26
Total buyer cash needed$339,862.00
Remaining funds due$339,862.00
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%)$5,170.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$949.38
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$487.50
Initial HOA (3 months)$216.00
Prepaid interest, first (25 days)$447.38
Fees + prepaids$12,738.26
Your down payment is the seller’s equity. You take over the $189,876 balance, so the rest of the $517,000 price is paid at closing. A second mortgage can cover part of it. $339,862.00 is due at closing. Uses and sources reconcile at $529,738.26 each. Not a Closing Disclosure.