Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$346,807Cash toward the purchase price.
Closing costs + prepaids$13,837Not just lender fees.
Before credits & paid funds$360,644The complete starting cash picture.
Estimated remaining funds due at closing
$360,644No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$346,806.70
Your down payment$346,806.70
Closing costs + prepaids$13,837.36
Total buyer cash needed$360,644.06
Remaining funds due$360,644.06
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%)$5,880.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,205.97
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$593.25
Prepaid interest, first (28 days)$690.14
Fees + prepaids$13,837.36
Your down payment is the seller’s equity. You take over the $241,193 balance, so the rest of the $588,000 price is paid at closing. A second mortgage can cover part of it. $360,644.06 is due at closing. Uses and sources reconcile at $601,837.36 each. Not a Closing Disclosure.