Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$303,682Cash toward the purchase price.
Closing costs + prepaids$13,317Not just lender fees.
Before credits & paid funds$316,999The complete starting cash picture.
Estimated remaining funds due at closing
$316,999No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$303,681.92
Your down payment$303,681.92
Closing costs + prepaids$13,317.49
Total buyer cash needed$316,999.41
Remaining funds due$316,999.41
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%)$1,091.59
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$309.00
Initial HOA (3 months)$1,185.00
Prepaid interest, first (2 days)$43.90
Fees + prepaids$13,317.49
Your down payment is the seller’s equity. You take over the $218,318 balance, so the rest of the $522,000 price is paid at closing. A second mortgage can cover part of it. $316,999.41 is due at closing. Uses and sources reconcile at $535,317.49 each. Not a Closing Disclosure.