Follow the dollars · Assumption only
A complete cash picture for Dec 19, 2026
Your down payment$349,110Cash toward the purchase price.
Closing costs + prepaids$13,307Not just lender fees.
Before credits & paid funds$362,417The complete starting cash picture.
Estimated remaining funds due at closing
$362,417No 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$13,307.04
Total buyer cash needed$362,416.55
Remaining funds due$362,416.55
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)$706.25
Initial HOA (3 months)$114.99
Prepaid interest, first (13 days)$288.35
Fees + prepaids$13,307.04
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. $362,416.55 is due at closing. Uses and sources reconcile at $578,307.04 each. Not a Closing Disclosure.