Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$334,514Cash toward the purchase price.
Closing costs + prepaids$13,607Not just lender fees.
Before credits & paid funds$348,121The complete starting cash picture.
Estimated remaining funds due at closing
$348,121No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$334,514.10
Your down payment$334,514.10
Closing costs + prepaids$13,606.81
Total buyer cash needed$348,120.91
Remaining funds due$348,120.91
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%)$5,749.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,201.93
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$598.25
Initial HOA (3 months)$168.00
Prepaid interest, first (22 days)$421.63
Fees + prepaids$13,606.81
Your down payment is the seller’s equity. You take over the $240,386 balance, so the rest of the $574,900 price is paid at closing. A second mortgage can cover part of it. $348,120.91 is due at closing. Uses and sources reconcile at $588,506.81 each. Not a Closing Disclosure.