Follow the dollars · Assumption only
A complete cash picture for Dec 16, 2026
Your down payment$358,591Cash toward the purchase price.
Closing costs + prepaids$13,148Not just lender fees.
Before credits & paid funds$371,738The complete starting cash picture.
Estimated remaining funds due at closing
$371,738No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$358,590.66
Your down payment$358,590.66
Closing costs + prepaids$13,147.64
Total buyer cash needed$371,738.30
Remaining funds due$371,738.30
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%)$5,590.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,002.05
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$698.75
Initial HOA (3 months)$149.01
Prepaid interest, first (16 days)$239.83
Fees + prepaids$13,147.64
Your down payment is the seller’s equity. You take over the $200,409 balance, so the rest of the $559,000 price is paid at closing. A second mortgage can cover part of it. $371,738.30 is due at closing. Uses and sources reconcile at $572,147.64 each. Not a Closing Disclosure.