Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$326,251Cash toward the purchase price.
Closing costs + prepaids$13,520Not just lender fees.
Before credits & paid funds$339,771The complete starting cash picture.
Estimated remaining funds due at closing
$339,771No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$326,251.18
Your down payment$326,251.18
Closing costs + prepaids$13,519.88
Total buyer cash needed$339,771.06
Remaining funds due$339,771.06
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%)$5,450.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,093.74
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,473.50
Prepaid interest, first (2 days)$34.64
Fees + prepaids$13,519.88
Your down payment is the seller’s equity. You take over the $218,749 balance, so the rest of the $545,000 price is paid at closing. A second mortgage can cover part of it. $339,771.06 is due at closing. Uses and sources reconcile at $558,519.88 each. Not a Closing Disclosure.