Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$328,299Cash toward the purchase price.
Closing costs + prepaids$15,018Not just lender fees.
Before credits & paid funds$343,317The complete starting cash picture.
Estimated remaining funds due at closing
$343,317No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$328,299.32
Your down payment$328,299.32
Closing costs + prepaids$15,017.76
Total buyer cash needed$343,317.08
Remaining funds due$343,317.08
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%)$5,590.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,153.50
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,397.50
Initial HOA (3 months)$804.00
Prepaid interest, first (26 days)$604.75
Fees + prepaids$15,017.76
Your down payment is the seller’s equity. You take over the $230,701 balance, so the rest of the $559,000 price is paid at closing. A second mortgage can cover part of it. $343,317.08 is due at closing. Uses and sources reconcile at $574,017.76 each. Not a Closing Disclosure.