Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$349,110Cash toward the purchase price.
Closing costs + prepaids$13,632Not just lender fees.
Before credits & paid funds$362,741The complete starting cash picture.
Estimated remaining funds due at closing
$362,741No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$349,109.51
Your down payment$349,109.51
Closing costs + prepaids$13,631.59
Total buyer cash needed$362,741.11
Remaining funds due$362,741.11
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%)$5,650.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,079.45
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$809.00
Initial HOA (3 months)$114.99
Prepaid interest, first (23 days)$510.15
Fees + prepaids$13,631.59
Your down payment is the seller’s equity. You take over the $215,890 balance, so the rest of the $565,000 price is paid at closing. A second mortgage can cover part of it. $362,741.11 is due at closing. Uses and sources reconcile at $578,631.59 each. Not a Closing Disclosure.