Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$327,477Cash toward the purchase price.
Closing costs + prepaids$15,551Not just lender fees.
Before credits & paid funds$343,028The complete starting cash picture.
Estimated remaining funds due at closing
$343,028No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$327,477.13
Your down payment$327,477.13
Closing costs + prepaids$15,550.95
Total buyer cash needed$343,028.08
Remaining funds due$343,028.08
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%)$5,600.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,162.61
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$2,244.00
Initial HOA (3 months)$543.00
Prepaid interest, first (28 days)$533.34
Fees + prepaids$15,550.95
Your down payment is the seller’s equity. You take over the $232,523 balance, so the rest of the $560,000 price is paid at closing. A second mortgage can cover part of it. $343,028.08 is due at closing. Uses and sources reconcile at $575,550.95 each. Not a Closing Disclosure.