Follow the dollars · Assumption only
A complete cash picture for Dec 25, 2026
Your down payment$325,468Cash toward the purchase price.
Closing costs + prepaids$14,378Not just lender fees.
Before credits & paid funds$339,846The complete starting cash picture.
Estimated remaining funds due at closing
$339,846No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$325,468.14
Your down payment$325,468.14
Closing costs + prepaids$14,377.71
Total buyer cash needed$339,845.85
Remaining funds due$339,845.85
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%)$5,400.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,072.66
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$648.00
Initial HOA (3 months)$1,629.00
Prepaid interest, first (7 days)$160.05
Fees + prepaids$14,377.71
Your down payment is the seller’s equity. You take over the $214,532 balance, so the rest of the $540,000 price is paid at closing. A second mortgage can cover part of it. $339,845.85 is due at closing. Uses and sources reconcile at $554,377.71 each. Not a Closing Disclosure.