Follow the dollars · Assumption only
A complete cash picture for Dec 15, 2026
Your down payment$334,363Cash toward the purchase price.
Closing costs + prepaids$13,585Not just lender fees.
Before credits & paid funds$347,948The complete starting cash picture.
Estimated remaining funds due at closing
$347,948No 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$13,585.44
Total buyer cash needed$347,947.99
Remaining funds due$347,947.99
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)$718.75
Prepaid interest, first (17 days)$447.00
Fees + prepaids$13,585.44
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. $347,947.99 is due at closing. Uses and sources reconcile at $588,485.44 each. Not a Closing Disclosure.