Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$333,964Cash toward the purchase price.
Closing costs + prepaids$12,435Not just lender fees.
Before credits & paid funds$346,399The complete starting cash picture.
Estimated remaining funds due at closing
$346,399No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$333,964.36
Your down payment$333,964.36
Closing costs + prepaids$12,435.07
Total buyer cash needed$346,399.43
Remaining funds due$346,399.43
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%)$5,290.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$975.18
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$592.75
Initial HOA (3 months)$93.75
Prepaid interest, first (1 days)$15.39
Fees + prepaids$12,435.07
Your down payment is the seller’s equity. You take over the $195,036 balance, so the rest of the $529,000 price is paid at closing. A second mortgage can cover part of it. $346,399.43 is due at closing. Uses and sources reconcile at $541,435.07 each. Not a Closing Disclosure.