Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$313,020Cash toward the purchase price.
Closing costs + prepaids$12,984Not just lender fees.
Before credits & paid funds$326,004The complete starting cash picture.
Estimated remaining funds due at closing
$326,004No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$313,020.41
Your down payment$313,020.41
Closing costs + prepaids$12,983.51
Total buyer cash needed$326,003.92
Remaining funds due$326,003.92
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%)$5,229.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,049.89
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$757.50
Initial HOA (3 months)$39.99
Prepaid interest, first (28 days)$438.14
Fees + prepaids$12,983.51
Your down payment is the seller’s equity. You take over the $209,979 balance, so the rest of the $522,999 price is paid at closing. A second mortgage can cover part of it. $326,003.92 is due at closing. Uses and sources reconcile at $535,982.51 each. Not a Closing Disclosure.