Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$334,363Cash toward the purchase price.
Closing costs + prepaids$13,440Not just lender fees.
Before credits & paid funds$347,802The complete starting cash picture.
Estimated remaining funds due at closing
$347,802No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$334,362.55
Your down payment$334,362.55
Closing costs + prepaids$13,439.84
Total buyer cash needed$347,802.39
Remaining funds due$347,802.39
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%)$1,202.69
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$336.50
Prepaid interest, first (26 days)$683.65
Fees + prepaids$13,439.84
Your down payment is the seller’s equity. You take over the $240,537 balance, so the rest of the $574,900 price is paid at closing. A second mortgage can cover part of it. $347,802.39 is due at closing. Uses and sources reconcile at $588,339.84 each. Not a Closing Disclosure.