Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$329,794Cash toward the purchase price.
Closing costs + prepaids$13,205Not just lender fees.
Before credits & paid funds$342,999The complete starting cash picture.
Estimated remaining funds due at closing
$342,999No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$329,793.56
Your down payment$329,793.56
Closing costs + prepaids$13,205.21
Total buyer cash needed$342,998.77
Remaining funds due$342,998.77
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%)$5,499.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,100.53
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$584.00
Initial HOA (3 months)$536.01
Prepaid interest, first (1 days)$17.67
Fees + prepaids$13,205.21
Your down payment is the seller’s equity. You take over the $220,106 balance, so the rest of the $549,900 price is paid at closing. A second mortgage can cover part of it. $342,998.77 is due at closing. Uses and sources reconcile at $563,105.21 each. Not a Closing Disclosure.