Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$342,223Cash toward the purchase price.
Closing costs + prepaids$12,957Not just lender fees.
Before credits & paid funds$355,180The complete starting cash picture.
Estimated remaining funds due at closing
$355,180No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$342,222.79
Your down payment$342,222.79
Closing costs + prepaids$12,957.14
Total buyer cash needed$355,179.93
Remaining funds due$355,179.93
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%)$5,100.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$838.89
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,057.25
Initial HOA (3 months)$150.00
Prepaid interest, first (26 days)$343.00
Fees + prepaids$12,957.14
Your down payment is the seller’s equity. You take over the $167,777 balance, so the rest of the $510,000 price is paid at closing. A second mortgage can cover part of it. $355,179.93 is due at closing. Uses and sources reconcile at $522,957.14 each. Not a Closing Disclosure.