Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$349,409Cash toward the purchase price.
Closing costs + prepaids$13,321Not just lender fees.
Before credits & paid funds$362,730The complete starting cash picture.
Estimated remaining funds due at closing
$362,730No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$349,408.55
Your down payment$349,408.55
Closing costs + prepaids$13,321.15
Total buyer cash needed$362,729.70
Remaining funds due$362,729.70
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%)$5,500.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,002.96
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$830.75
Initial HOA (3 months)$96.00
Prepaid interest, first (23 days)$423.44
Fees + prepaids$13,321.15
Your down payment is the seller’s equity. You take over the $200,591 balance, so the rest of the $550,000 price is paid at closing. A second mortgage can cover part of it. $362,729.70 is due at closing. Uses and sources reconcile at $563,321.15 each. Not a Closing Disclosure.