Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$335,570Cash toward the purchase price.
Closing costs + prepaids$13,010Not just lender fees.
Before credits & paid funds$348,580The complete starting cash picture.
Estimated remaining funds due at closing
$348,580No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$335,569.96
Your down payment$335,569.96
Closing costs + prepaids$13,010.15
Total buyer cash needed$348,580.11
Remaining funds due$348,580.11
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%)$5,520.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,082.15
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Initial HOA (3 months)$11.25
Prepaid interest, first (23 days)$928.75
Fees + prepaids$13,010.15
Your down payment is the seller’s equity. You take over the $216,430 balance, so the rest of the $552,000 price is paid at closing. A second mortgage can cover part of it. $348,580.11 is due at closing. Uses and sources reconcile at $565,010.15 each. Not a Closing Disclosure.