Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$334,312Cash toward the purchase price.
Closing costs + prepaids$12,740Not just lender fees.
Before credits & paid funds$347,052The complete starting cash picture.
Estimated remaining funds due at closing
$347,052No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$334,311.98
Your down payment$334,311.98
Closing costs + prepaids$12,740.45
Total buyer cash needed$347,052.43
Remaining funds due$347,052.43
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%)$5,040.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$848.44
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$809.75
Initial HOA (3 months)$138.00
Prepaid interest, first (24 days)$436.26
Fees + prepaids$12,740.45
Your down payment is the seller’s equity. You take over the $169,688 balance, so the rest of the $504,000 price is paid at closing. A second mortgage can cover part of it. $347,052.43 is due at closing. Uses and sources reconcile at $516,740.45 each. Not a Closing Disclosure.