Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$332,119Cash toward the purchase price.
Closing costs + prepaids$13,008Not just lender fees.
Before credits & paid funds$345,127The complete starting cash picture.
Estimated remaining funds due at closing
$345,127No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$332,119.45
Your down payment$332,119.45
Closing costs + prepaids$13,007.70
Total buyer cash needed$345,127.16
Remaining funds due$345,127.16
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%)$5,380.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,029.40
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$647.50
Initial HOA (3 months)$39.00
Prepaid interest, first (28 days)$443.80
Fees + prepaids$13,007.70
Your down payment is the seller’s equity. You take over the $205,881 balance, so the rest of the $538,000 price is paid at closing. A second mortgage can cover part of it. $345,127.16 is due at closing. Uses and sources reconcile at $551,007.70 each. Not a Closing Disclosure.