Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$321,662Cash toward the purchase price.
Closing costs + prepaids$12,682Not just lender fees.
Before credits & paid funds$334,344The complete starting cash picture.
Estimated remaining funds due at closing
$334,344No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$321,661.97
Your down payment$321,661.97
Closing costs + prepaids$12,681.90
Total buyer cash needed$334,343.87
Remaining funds due$334,343.87
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%)$5,150.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$966.69
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$618.00
Initial HOA (3 months)$330.00
Prepaid interest, first (9 days)$149.21
Fees + prepaids$12,681.90
Your down payment is the seller’s equity. You take over the $193,338 balance, so the rest of the $515,000 price is paid at closing. A second mortgage can cover part of it. $334,343.87 is due at closing. Uses and sources reconcile at $527,681.90 each. Not a Closing Disclosure.