Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$336,961Cash toward the purchase price.
Closing costs + prepaids$13,964Not just lender fees.
Before credits & paid funds$350,925The complete starting cash picture.
Estimated remaining funds due at closing
$350,925No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$336,961.01
Your down payment$336,961.01
Closing costs + prepaids$13,964.04
Total buyer cash needed$350,925.04
Remaining funds due$350,925.04
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%)$5,700.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,165.19
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,134.50
Prepaid interest, first (26 days)$496.34
Fees + prepaids$13,964.04
Your down payment is the seller’s equity. You take over the $233,039 balance, so the rest of the $570,000 price is paid at closing. A second mortgage can cover part of it. $350,925.04 is due at closing. Uses and sources reconcile at $583,964.04 each. Not a Closing Disclosure.