Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$323,090Cash toward the purchase price.
Closing costs + prepaids$18,775Not just lender fees.
Before credits & paid funds$341,865The complete starting cash picture.
Estimated remaining funds due at closing
$341,865No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$323,089.66
Your down payment$323,089.66
Closing costs + prepaids$18,775.28
Total buyer cash needed$341,864.93
Remaining funds due$341,864.93
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%)$8,398.50
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,583.80
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,042.75
Initial HOA (3 months)$336.00
Prepaid interest, first (2 days)$196.23
Fees + prepaids$18,775.28
Your down payment is the seller’s equity. You take over the $516,760 balance, so the rest of the $839,850 price is paid at closing. A second mortgage can cover part of it. $341,864.93 is due at closing. Uses and sources reconcile at $858,625.28 each. Not a Closing Disclosure.