Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$341,563Cash toward the purchase price.
Closing costs + prepaids$12,617Not just lender fees.
Before credits & paid funds$354,180The complete starting cash picture.
Estimated remaining funds due at closing
$354,180No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$341,562.63
Your down payment$341,562.63
Closing costs + prepaids$12,617.12
Total buyer cash needed$354,179.75
Remaining funds due$354,179.75
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%)$5,150.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$867.19
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$471.25
Initial HOA (3 months)$624.00
Prepaid interest, first (2 days)$36.68
Fees + prepaids$12,617.12
Your down payment is the seller’s equity. You take over the $173,437 balance, so the rest of the $515,000 price is paid at closing. A second mortgage can cover part of it. $354,179.75 is due at closing. Uses and sources reconcile at $527,617.12 each. Not a Closing Disclosure.