Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$333,550Cash toward the purchase price.
Closing costs + prepaids$13,770Not just lender fees.
Before credits & paid funds$347,321The complete starting cash picture.
Estimated remaining funds due at closing
$347,321No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$333,550.47
Your down payment$333,550.47
Closing costs + prepaids$13,770.38
Total buyer cash needed$347,320.84
Remaining funds due$347,320.84
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%)$5,750.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,207.25
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$851.75
Initial HOA (3 months)$18.75
Prepaid interest, first (25 days)$474.63
Fees + prepaids$13,770.38
Your down payment is the seller’s equity. You take over the $241,450 balance, so the rest of the $575,000 price is paid at closing. A second mortgage can cover part of it. $347,320.84 is due at closing. Uses and sources reconcile at $588,770.38 each. Not a Closing Disclosure.