Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$342,134Cash toward the purchase price.
Closing costs + prepaids$14,379Not just lender fees.
Before credits & paid funds$356,512The complete starting cash picture.
Estimated remaining funds due at closing
$356,512No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$342,133.82
Your down payment$342,133.82
Closing costs + prepaids$14,378.56
Total buyer cash needed$356,512.39
Remaining funds due$356,512.39
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%)$5,350.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$964.33
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$2,064.75
Initial HOA (3 months)$489.00
Prepaid interest, first (2 days)$42.48
Fees + prepaids$14,378.56
Your down payment is the seller’s equity. You take over the $192,866 balance, so the rest of the $535,000 price is paid at closing. A second mortgage can cover part of it. $356,512.39 is due at closing. Uses and sources reconcile at $549,378.56 each. Not a Closing Disclosure.