Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$349,553Cash toward the purchase price.
Closing costs + prepaids$12,791Not just lender fees.
Before credits & paid funds$362,344The complete starting cash picture.
Estimated remaining funds due at closing
$362,344No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$349,553.12
Your down payment$349,553.12
Closing costs + prepaids$12,791.18
Total buyer cash needed$362,344.30
Remaining funds due$362,344.30
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%)$5,295.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$899.73
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$653.25
Initial HOA (3 months)$460.50
Prepaid interest, first (1 days)$14.69
Fees + prepaids$12,791.18
Your down payment is the seller’s equity. You take over the $179,947 balance, so the rest of the $529,500 price is paid at closing. A second mortgage can cover part of it. $362,344.30 is due at closing. Uses and sources reconcile at $542,291.18 each. Not a Closing Disclosure.