Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$347,512Cash toward the purchase price.
Closing costs + prepaids$12,623Not just lender fees.
Before credits & paid funds$360,135The complete starting cash picture.
Estimated remaining funds due at closing
$360,135No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$347,512.24
Your down payment$347,512.24
Closing costs + prepaids$12,622.56
Total buyer cash needed$360,134.79
Remaining funds due$360,134.79
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%)$5,199.90
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$862.39
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$624.00
Initial HOA (3 months)$318.00
Prepaid interest, first (10 days)$150.27
Fees + prepaids$12,622.56
Your down payment is the seller’s equity. You take over the $172,478 balance, so the rest of the $519,990 price is paid at closing. A second mortgage can cover part of it. $360,134.79 is due at closing. Uses and sources reconcile at $532,612.56 each. Not a Closing Disclosure.