Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$328,585Cash toward the purchase price.
Closing costs + prepaids$13,799Not just lender fees.
Before credits & paid funds$342,385The complete starting cash picture.
Estimated remaining funds due at closing
$342,385No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$328,585.38
Your down payment$328,585.38
Closing costs + prepaids$13,799.15
Total buyer cash needed$342,384.53
Remaining funds due$342,384.53
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%)$5,499.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,106.57
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,257.00
Prepaid interest, first (23 days)$468.58
Fees + prepaids$13,799.15
Your down payment is the seller’s equity. You take over the $221,315 balance, so the rest of the $549,900 price is paid at closing. A second mortgage can cover part of it. $342,384.53 is due at closing. Uses and sources reconcile at $563,699.15 each. Not a Closing Disclosure.