Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$332,028Cash toward the purchase price.
Closing costs + prepaids$12,946Not just lender fees.
Before credits & paid funds$344,974The complete starting cash picture.
Estimated remaining funds due at closing
$344,974No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$332,028.17
Your down payment$332,028.17
Closing costs + prepaids$12,946.27
Total buyer cash needed$344,974.44
Remaining funds due$344,974.44
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%)$1,029.86
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$582.25
Initial HOA (3 months)$39.00
Prepaid interest, first (28 days)$447.16
Fees + prepaids$12,946.27
Your down payment is the seller’s equity. You take over the $205,972 balance, so the rest of the $538,000 price is paid at closing. A second mortgage can cover part of it. $344,974.44 is due at closing. Uses and sources reconcile at $550,946.27 each. Not a Closing Disclosure.