Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$342,792Cash toward the purchase price.
Closing costs + prepaids$14,138Not just lender fees.
Before credits & paid funds$356,929The complete starting cash picture.
Estimated remaining funds due at closing
$356,929No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$342,791.65
Your down payment$342,791.65
Closing costs + prepaids$14,137.68
Total buyer cash needed$356,929.33
Remaining funds due$356,929.33
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%)$5,900.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,236.04
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$950.50
Prepaid interest, first (30 days)$583.14
Fees + prepaids$14,137.68
Your down payment is the seller’s equity. You take over the $247,208 balance, so the rest of the $590,000 price is paid at closing. A second mortgage can cover part of it. $356,929.33 is due at closing. Uses and sources reconcile at $604,137.68 each. Not a Closing Disclosure.