Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$349,992Cash toward the purchase price.
Closing costs + prepaids$13,170Not just lender fees.
Before credits & paid funds$363,162The complete starting cash picture.
Estimated remaining funds due at closing
$363,162No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$349,992.26
Your down payment$349,992.26
Closing costs + prepaids$13,169.99
Total buyer cash needed$363,162.25
Remaining funds due$363,162.25
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%)$5,295.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$897.54
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$653.25
Initial HOA (3 months)$460.50
Prepaid interest, first (27 days)$395.70
Fees + prepaids$13,169.99
Your down payment is the seller’s equity. You take over the $179,508 balance, so the rest of the $529,500 price is paid at closing. A second mortgage can cover part of it. $363,162.25 is due at closing. Uses and sources reconcile at $542,669.99 each. Not a Closing Disclosure.