Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$322,381Cash toward the purchase price.
Closing costs + prepaids$12,922Not just lender fees.
Before credits & paid funds$335,303The complete starting cash picture.
Estimated remaining funds due at closing
$335,303No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$322,380.58
Your down payment$322,380.58
Closing costs + prepaids$12,922.24
Total buyer cash needed$335,302.82
Remaining funds due$335,302.82
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%)$5,499.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,137.60
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$660.00
Prepaid interest, first (9 days)$157.64
Fees + prepaids$12,922.24
Your down payment is the seller’s equity. You take over the $227,519 balance, so the rest of the $549,900 price is paid at closing. A second mortgage can cover part of it. $335,302.82 is due at closing. Uses and sources reconcile at $562,822.24 each. Not a Closing Disclosure.