Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$326,718Cash toward the purchase price.
Closing costs + prepaids$12,616Not just lender fees.
Before credits & paid funds$339,334The complete starting cash picture.
Estimated remaining funds due at closing
$339,334No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$326,717.78
Your down payment$326,717.78
Closing costs + prepaids$12,616.13
Total buyer cash needed$339,333.91
Remaining funds due$339,333.91
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%)$5,249.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$990.91
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$630.00
Prepaid interest, first (12 days)$278.22
Fees + prepaids$12,616.13
Your down payment is the seller’s equity. You take over the $198,182 balance, so the rest of the $524,900 price is paid at closing. A second mortgage can cover part of it. $339,333.91 is due at closing. Uses and sources reconcile at $537,516.13 each. Not a Closing Disclosure.