Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$332,235Cash toward the purchase price.
Closing costs + prepaids$13,750Not just lender fees.
Before credits & paid funds$345,986The complete starting cash picture.
Estimated remaining funds due at closing
$345,986No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$332,235.21
Your down payment$332,235.21
Closing costs + prepaids$13,750.49
Total buyer cash needed$345,985.70
Remaining funds due$345,985.70
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%)$5,329.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,003.32
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,276.00
Initial HOA (3 months)$120.00
Prepaid interest, first (28 days)$554.16
Fees + prepaids$13,750.49
Your down payment is the seller’s equity. You take over the $200,665 balance, so the rest of the $532,900 price is paid at closing. A second mortgage can cover part of it. $345,985.70 is due at closing. Uses and sources reconcile at $546,650.49 each. Not a Closing Disclosure.