Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$346,943Cash toward the purchase price.
Closing costs + prepaids$12,283Not just lender fees.
Before credits & paid funds$359,226The complete starting cash picture.
Estimated remaining funds due at closing
$359,226No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$346,943.43
Your down payment$346,943.43
Closing costs + prepaids$12,282.54
Total buyer cash needed$359,225.97
Remaining funds due$359,225.97
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%)$5,249.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$889.78
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$376.50
Prepaid interest, first (22 days)$299.26
Fees + prepaids$12,282.54
Your down payment is the seller’s equity. You take over the $177,957 balance, so the rest of the $524,900 price is paid at closing. A second mortgage can cover part of it. $359,225.97 is due at closing. Uses and sources reconcile at $537,182.54 each. Not a Closing Disclosure.