Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$352,735Cash toward the purchase price.
Closing costs + prepaids$13,263Not just lender fees.
Before credits & paid funds$365,998The complete starting cash picture.
Estimated remaining funds due at closing
$365,998No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$352,735.16
Your down payment$352,735.16
Closing costs + prepaids$13,263.08
Total buyer cash needed$365,998.24
Remaining funds due$365,998.24
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%)$5,700.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,086.32
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$651.25
Prepaid interest, first (26 days)$357.50
Fees + prepaids$13,263.08
Your down payment is the seller’s equity. You take over the $217,265 balance, so the rest of the $570,000 price is paid at closing. A second mortgage can cover part of it. $365,998.24 is due at closing. Uses and sources reconcile at $583,263.08 each. Not a Closing Disclosure.