Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$315,162Cash toward the purchase price.
Closing costs + prepaids$13,638Not just lender fees.
Before credits & paid funds$328,800The complete starting cash picture.
Estimated remaining funds due at closing
$328,800No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$315,161.94
Your down payment$315,161.94
Closing costs + prepaids$13,638.29
Total buyer cash needed$328,800.22
Remaining funds due$328,800.22
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%)$5,500.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,174.19
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$839.25
Initial HOA (3 months)$120.00
Prepaid interest, first (28 days)$536.85
Fees + prepaids$13,638.29
Your down payment is the seller’s equity. You take over the $234,838 balance, so the rest of the $550,000 price is paid at closing. A second mortgage can cover part of it. $328,800.22 is due at closing. Uses and sources reconcile at $563,638.29 each. Not a Closing Disclosure.