Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$327,270Cash toward the purchase price.
Closing costs + prepaids$13,337Not just lender fees.
Before credits & paid funds$340,607The complete starting cash picture.
Estimated remaining funds due at closing
$340,607No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$327,270.36
Your down payment$327,270.36
Closing costs + prepaids$13,336.66
Total buyer cash needed$340,607.02
Remaining funds due$340,607.02
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%)$5,500.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,113.65
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$732.00
Initial HOA (3 months)$28.74
Prepaid interest, first (27 days)$494.28
Fees + prepaids$13,336.66
Your down payment is the seller’s equity. You take over the $222,730 balance, so the rest of the $550,000 price is paid at closing. A second mortgage can cover part of it. $340,607.02 is due at closing. Uses and sources reconcile at $563,336.66 each. Not a Closing Disclosure.