Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$312,147Cash toward the purchase price.
Closing costs + prepaids$15,287Not just lender fees.
Before credits & paid funds$327,434The complete starting cash picture.
Estimated remaining funds due at closing
$327,434No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$312,147.07
Your down payment$312,147.07
Closing costs + prepaids$15,286.69
Total buyer cash needed$327,433.76
Remaining funds due$327,433.76
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%)$5,450.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,164.26
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$895.75
Initial HOA (3 months)$1,272.00
Prepaid interest, first (25 days)$1,036.67
Fees + prepaids$15,286.69
Your down payment is the seller’s equity. You take over the $232,853 balance, so the rest of the $545,000 price is paid at closing. A second mortgage can cover part of it. $327,433.76 is due at closing. Uses and sources reconcile at $560,286.69 each. Not a Closing Disclosure.