Follow the dollars · Assumption only
A complete cash picture for Dec 16, 2026
Your down payment$332,907Cash toward the purchase price.
Closing costs + prepaids$13,492Not just lender fees.
Before credits & paid funds$346,399The complete starting cash picture.
Estimated remaining funds due at closing
$346,399No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$332,907.18
Your down payment$332,907.18
Closing costs + prepaids$13,491.53
Total buyer cash needed$346,398.71
Remaining funds due$346,398.71
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%)$1,209.96
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 (16 days)$345.82
Fees + prepaids$13,491.53
Your down payment is the seller’s equity. You take over the $241,993 balance, so the rest of the $574,900 price is paid at closing. A second mortgage can cover part of it. $346,398.71 is due at closing. Uses and sources reconcile at $588,391.53 each. Not a Closing Disclosure.