Follow the dollars · Assumption only
A complete cash picture for Dec 15, 2026
Your down payment$304,362Cash toward the purchase price.
Closing costs + prepaids$13,960Not just lender fees.
Before credits & paid funds$318,322The complete starting cash picture.
Estimated remaining funds due at closing
$318,322No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$304,361.97
Your down payment$304,361.97
Closing costs + prepaids$13,959.70
Total buyer cash needed$318,321.67
Remaining funds due$318,321.67
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%)$5,220.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,088.19
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$626.50
Initial HOA (3 months)$1,185.00
Prepaid interest, first (17 days)$372.01
Fees + prepaids$13,959.70
Your down payment is the seller’s equity. You take over the $217,638 balance, so the rest of the $522,000 price is paid at closing. A second mortgage can cover part of it. $318,321.67 is due at closing. Uses and sources reconcile at $535,959.70 each. Not a Closing Disclosure.