Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$341,932Cash toward the purchase price.
Closing costs + prepaids$13,151Not just lender fees.
Before credits & paid funds$355,083The complete starting cash picture.
Estimated remaining funds due at closing
$355,083No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$341,932.20
Your down payment$341,932.20
Closing costs + prepaids$13,150.87
Total buyer cash needed$355,083.06
Remaining funds due$355,083.06
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%)$1,090.34
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$589.25
Prepaid interest, first (25 days)$403.28
Fees + prepaids$13,150.87
Your down payment is the seller’s equity. You take over the $218,068 balance, so the rest of the $560,000 price is paid at closing. A second mortgage can cover part of it. $355,083.06 is due at closing. Uses and sources reconcile at $573,150.87 each. Not a Closing Disclosure.