Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$327,272Cash toward the purchase price.
Closing costs + prepaids$14,304Not just lender fees.
Before credits & paid funds$341,576The complete starting cash picture.
Estimated remaining funds due at closing
$341,576No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$327,272.21
Your down payment$327,272.21
Closing costs + prepaids$14,304.09
Total buyer cash needed$341,576.31
Remaining funds due$341,576.31
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%)$5,550.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,138.64
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,324.25
Initial HOA (3 months)$264.99
Prepaid interest, first (23 days)$558.21
Fees + prepaids$14,304.09
Your down payment is the seller’s equity. You take over the $227,728 balance, so the rest of the $555,000 price is paid at closing. A second mortgage can cover part of it. $341,576.31 is due at closing. Uses and sources reconcile at $569,304.09 each. Not a Closing Disclosure.