Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$341,814Cash toward the purchase price.
Closing costs + prepaids$13,426Not just lender fees.
Before credits & paid funds$355,241The complete starting cash picture.
Estimated remaining funds due at closing
$355,241No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$341,814.37
Your down payment$341,814.37
Closing costs + prepaids$13,426.35
Total buyer cash needed$355,240.72
Remaining funds due$355,240.72
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%)$5,370.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$975.93
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,167.00
Initial HOA (3 months)$45.00
Prepaid interest, first (26 days)$400.42
Fees + prepaids$13,426.35
Your down payment is the seller’s equity. You take over the $195,186 balance, so the rest of the $537,000 price is paid at closing. A second mortgage can cover part of it. $355,240.72 is due at closing. Uses and sources reconcile at $550,426.35 each. Not a Closing Disclosure.