Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$336,501Cash toward the purchase price.
Closing costs + prepaids$13,489Not just lender fees.
Before credits & paid funds$349,989The complete starting cash picture.
Estimated remaining funds due at closing
$349,989No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$336,500.72
Your down payment$336,500.72
Closing costs + prepaids$13,488.62
Total buyer cash needed$349,989.33
Remaining funds due$349,989.33
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%)$5,548.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,091.50
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$484.00
Prepaid interest, first (24 days)$897.12
Fees + prepaids$13,488.62
Your down payment is the seller’s equity. You take over the $218,299 balance, so the rest of the $554,800 price is paid at closing. A second mortgage can cover part of it. $349,989.33 is due at closing. Uses and sources reconcile at $568,288.62 each. Not a Closing Disclosure.