Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$344,213Cash toward the purchase price.
Closing costs + prepaids$12,519Not just lender fees.
Before credits & paid funds$356,732The complete starting cash picture.
Estimated remaining funds due at closing
$356,732No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$344,213.26
Your down payment$344,213.26
Closing costs + prepaids$12,518.89
Total buyer cash needed$356,732.15
Remaining funds due$356,732.15
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%)$5,199.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$878.43
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$504.50
Initial HOA (3 months)$45.00
Prepaid interest, first (24 days)$423.96
Fees + prepaids$12,518.89
Your down payment is the seller’s equity. You take over the $175,687 balance, so the rest of the $519,900 price is paid at closing. A second mortgage can cover part of it. $356,732.15 is due at closing. Uses and sources reconcile at $532,418.89 each. Not a Closing Disclosure.