Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$319,608Cash toward the purchase price.
Closing costs + prepaids$12,992Not just lender fees.
Before credits & paid funds$332,599The complete starting cash picture.
Estimated remaining funds due at closing
$332,599No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$319,607.63
Your down payment$319,607.63
Closing costs + prepaids$12,991.77
Total buyer cash needed$332,599.40
Remaining funds due$332,599.40
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%)$5,500.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,151.96
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$307.50
Prepaid interest, first (30 days)$564.30
Fees + prepaids$12,991.77
Your down payment is the seller’s equity. You take over the $230,392 balance, so the rest of the $550,000 price is paid at closing. A second mortgage can cover part of it. $332,599.40 is due at closing. Uses and sources reconcile at $562,991.77 each. Not a Closing Disclosure.