Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$344,293Cash toward the purchase price.
Closing costs + prepaids$13,792Not just lender fees.
Before credits & paid funds$358,086The complete starting cash picture.
Estimated remaining funds due at closing
$358,086No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$344,293.35
Your down payment$344,293.35
Closing costs + prepaids$13,792.17
Total buyer cash needed$358,085.51
Remaining funds due$358,085.51
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%)$5,599.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,078.03
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,081.50
Initial HOA (3 months)$21.24
Prepaid interest, first (24 days)$544.39
Fees + prepaids$13,792.17
Your down payment is the seller’s equity. You take over the $215,607 balance, so the rest of the $559,900 price is paid at closing. A second mortgage can cover part of it. $358,085.51 is due at closing. Uses and sources reconcile at $573,692.17 each. Not a Closing Disclosure.