Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$339,212Cash toward the purchase price.
Closing costs + prepaids$14,230Not just lender fees.
Before credits & paid funds$353,442The complete starting cash picture.
Estimated remaining funds due at closing
$353,442No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$339,212.01
Your down payment$339,212.01
Closing costs + prepaids$14,229.64
Total buyer cash needed$353,441.66
Remaining funds due$353,441.66
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%)$1,128.94
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,357.00
Initial HOA (3 months)$132.00
Prepaid interest, first (23 days)$493.70
Fees + prepaids$14,229.64
Your down payment is the seller’s equity. You take over the $225,788 balance, so the rest of the $565,000 price is paid at closing. A second mortgage can cover part of it. $353,441.66 is due at closing. Uses and sources reconcile at $579,229.64 each. Not a Closing Disclosure.