Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$345,433Cash toward the purchase price.
Closing costs + prepaids$12,642Not just lender fees.
Before credits & paid funds$358,075The complete starting cash picture.
Estimated remaining funds due at closing
$358,075No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$345,432.72
Your down payment$345,432.72
Closing costs + prepaids$12,642.39
Total buyer cash needed$358,075.11
Remaining funds due$358,075.11
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%)$5,200.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$872.84
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$696.75
Prepaid interest, first (23 days)$404.80
Fees + prepaids$12,642.39
Your down payment is the seller’s equity. You take over the $174,567 balance, so the rest of the $520,000 price is paid at closing. A second mortgage can cover part of it. $358,075.11 is due at closing. Uses and sources reconcile at $532,642.39 each. Not a Closing Disclosure.