Follow the dollars · Assumption only
A complete cash picture for Dec 15, 2026
Your down payment$353,006Cash toward the purchase price.
Closing costs + prepaids$13,418Not just lender fees.
Before credits & paid funds$366,424The complete starting cash picture.
Estimated remaining funds due at closing
$366,424No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$353,005.50
Your down payment$353,005.50
Closing costs + prepaids$13,418.28
Total buyer cash needed$366,423.78
Remaining funds due$366,423.78
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%)$5,796.15
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,133.05
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$724.50
Prepaid interest, first (17 days)$296.58
Fees + prepaids$13,418.28
Your down payment is the seller’s equity. You take over the $226,609 balance, so the rest of the $579,615 price is paid at closing. A second mortgage can cover part of it. $366,423.78 is due at closing. Uses and sources reconcile at $593,033.28 each. Not a Closing Disclosure.