Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$335,319Cash toward the purchase price.
Closing costs + prepaids$13,607Not just lender fees.
Before credits & paid funds$348,926The complete starting cash picture.
Estimated remaining funds due at closing
$348,926No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$335,318.73
Your down payment$335,318.73
Closing costs + prepaids$13,606.96
Total buyer cash needed$348,925.70
Remaining funds due$348,925.70
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%)$5,300.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$973.41
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,202.75
Initial HOA (3 months)$204.00
Prepaid interest, first (23 days)$458.81
Fees + prepaids$13,606.96
Your down payment is the seller’s equity. You take over the $194,681 balance, so the rest of the $530,000 price is paid at closing. A second mortgage can cover part of it. $348,925.70 is due at closing. Uses and sources reconcile at $543,606.96 each. Not a Closing Disclosure.