Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$331,605Cash toward the purchase price.
Closing costs + prepaids$13,832Not just lender fees.
Before credits & paid funds$345,437The complete starting cash picture.
Estimated remaining funds due at closing
$345,437No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$331,605.19
Your down payment$331,605.19
Closing costs + prepaids$13,831.52
Total buyer cash needed$345,436.71
Remaining funds due$345,436.71
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%)$5,750.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,216.97
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$816.00
Initial HOA (3 months)$50.01
Prepaid interest, first (18 days)$530.53
Fees + prepaids$13,831.52
Your down payment is the seller’s equity. You take over the $243,395 balance, so the rest of the $575,000 price is paid at closing. A second mortgage can cover part of it. $345,436.71 is due at closing. Uses and sources reconcile at $588,831.52 each. Not a Closing Disclosure.