Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$319,568Cash toward the purchase price.
Closing costs + prepaids$21,649Not just lender fees.
Before credits & paid funds$341,217The complete starting cash picture.
Estimated remaining funds due at closing
$341,217No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$319,568.11
Your down payment$319,568.11
Closing costs + prepaids$21,648.88
Total buyer cash needed$341,216.99
Remaining funds due$341,216.99
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%)$8,388.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,596.16
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,097.00
Initial HOA (3 months)$1,305.00
Prepaid interest, first (27 days)$1,044.72
Fees + prepaids$21,648.88
Your down payment is the seller’s equity. You take over the $519,232 balance, so the rest of the $838,800 price is paid at closing. A second mortgage can cover part of it. $341,216.99 is due at closing. Uses and sources reconcile at $860,448.88 each. Not a Closing Disclosure.