Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$344,347Cash toward the purchase price.
Closing costs + prepaids$13,086Not just lender fees.
Before credits & paid funds$357,433The complete starting cash picture.
Estimated remaining funds due at closing
$357,433No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$344,347.12
Your down payment$344,347.12
Closing costs + prepaids$13,085.92
Total buyer cash needed$357,433.03
Remaining funds due$357,433.03
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%)$5,200.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$878.26
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$696.75
Initial HOA (3 months)$276.00
Prepaid interest, first (31 days)$566.90
Fees + prepaids$13,085.92
Your down payment is the seller’s equity. You take over the $175,653 balance, so the rest of the $520,000 price is paid at closing. A second mortgage can cover part of it. $357,433.03 is due at closing. Uses and sources reconcile at $533,085.92 each. Not a Closing Disclosure.