Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$323,528Cash toward the purchase price.
Closing costs + prepaids$12,659Not just lender fees.
Before credits & paid funds$336,187The complete starting cash picture.
Estimated remaining funds due at closing
$336,187No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$323,528.17
Your down payment$323,528.17
Closing costs + prepaids$12,659.00
Total buyer cash needed$336,187.17
Remaining funds due$336,187.17
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%)$1,029.86
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$635.50
Initial HOA (3 months)$39.00
Prepaid interest, first (12 days)$191.64
Fees + prepaids$12,659.00
Your down payment is the seller’s equity. You take over the $205,972 balance, so the rest of the $529,500 price is paid at closing. A second mortgage can cover part of it. $336,187.17 is due at closing. Uses and sources reconcile at $542,159.00 each. Not a Closing Disclosure.