Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$344,759Cash toward the purchase price.
Closing costs + prepaids$14,274Not just lender fees.
Before credits & paid funds$359,033The complete starting cash picture.
Estimated remaining funds due at closing
$359,033No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$344,759.42
Your down payment$344,759.42
Closing costs + prepaids$14,273.63
Total buyer cash needed$359,033.05
Remaining funds due$359,033.05
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%)$5,450.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,001.20
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,362.50
Initial HOA (3 months)$315.00
Prepaid interest, first (27 days)$676.92
Fees + prepaids$14,273.63
Your down payment is the seller’s equity. You take over the $200,241 balance, so the rest of the $545,000 price is paid at closing. A second mortgage can cover part of it. $359,033.05 is due at closing. Uses and sources reconcile at $559,273.63 each. Not a Closing Disclosure.