Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$326,598Cash toward the purchase price.
Closing costs + prepaids$13,798Not just lender fees.
Before credits & paid funds$340,396The complete starting cash picture.
Estimated remaining funds due at closing
$340,396No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$326,598.09
Your down payment$326,598.09
Closing costs + prepaids$13,797.93
Total buyer cash needed$340,396.03
Remaining funds due$340,396.03
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%)$5,550.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,142.01
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,324.25
Initial HOA (3 months)$264.99
Prepaid interest, first (2 days)$48.68
Fees + prepaids$13,797.93
Your down payment is the seller’s equity. You take over the $228,402 balance, so the rest of the $555,000 price is paid at closing. A second mortgage can cover part of it. $340,396.03 is due at closing. Uses and sources reconcile at $568,797.93 each. Not a Closing Disclosure.