Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$334,561Cash toward the purchase price.
Closing costs + prepaids$12,895Not just lender fees.
Before credits & paid funds$347,456The complete starting cash picture.
Estimated remaining funds due at closing
$347,456No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$334,560.56
Your down payment$334,560.56
Closing costs + prepaids$12,895.38
Total buyer cash needed$347,455.93
Remaining funds due$347,455.93
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%)$5,650.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,152.20
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$289.75
Prepaid interest, first (23 days)$335.43
Fees + prepaids$12,895.38
Your down payment is the seller’s equity. You take over the $230,439 balance, so the rest of the $565,000 price is paid at closing. A second mortgage can cover part of it. $347,455.93 is due at closing. Uses and sources reconcile at $577,895.38 each. Not a Closing Disclosure.