Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$334,881Cash toward the purchase price.
Closing costs + prepaids$13,170Not just lender fees.
Before credits & paid funds$348,052The complete starting cash picture.
Estimated remaining funds due at closing
$348,052No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$334,881.25
Your down payment$334,881.25
Closing costs + prepaids$13,170.34
Total buyer cash needed$348,051.59
Remaining funds due$348,051.59
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%)$5,300.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$975.59
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,202.75
Initial HOA (3 months)$204.00
Prepaid interest, first (1 days)$19.99
Fees + prepaids$13,170.34
Your down payment is the seller’s equity. You take over the $195,119 balance, so the rest of the $530,000 price is paid at closing. A second mortgage can cover part of it. $348,051.59 is due at closing. Uses and sources reconcile at $543,170.34 each. Not a Closing Disclosure.