Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$343,668Cash toward the purchase price.
Closing costs + prepaids$12,115Not just lender fees.
Before credits & paid funds$355,783The complete starting cash picture.
Estimated remaining funds due at closing
$355,783No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$343,667.67
Your down payment$343,667.67
Closing costs + prepaids$12,115.38
Total buyer cash needed$355,783.05
Remaining funds due$355,783.05
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%)$5,199.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$881.16
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$504.50
Initial HOA (3 months)$45.00
Prepaid interest, first (1 days)$17.72
Fees + prepaids$12,115.38
Your down payment is the seller’s equity. You take over the $176,232 balance, so the rest of the $519,900 price is paid at closing. A second mortgage can cover part of it. $355,783.05 is due at closing. Uses and sources reconcile at $532,015.38 each. Not a Closing Disclosure.