Follow the dollars · Assumption only
A complete cash picture for Dec 19, 2026
Your down payment$359,887Cash toward the purchase price.
Closing costs + prepaids$13,195Not just lender fees.
Before credits & paid funds$373,081The complete starting cash picture.
Estimated remaining funds due at closing
$373,081No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$359,886.77
Your down payment$359,886.77
Closing costs + prepaids$13,194.54
Total buyer cash needed$373,081.30
Remaining funds due$373,081.30
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%)$1,025.57
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)$99.99
Prepaid interest, first (13 days)$244.73
Fees + prepaids$13,194.54
Your down payment is the seller’s equity. You take over the $205,113 balance, so the rest of the $565,000 price is paid at closing. A second mortgage can cover part of it. $373,081.30 is due at closing. Uses and sources reconcile at $578,194.54 each. Not a Closing Disclosure.