Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$349,890Cash toward the purchase price.
Closing costs + prepaids$14,311Not just lender fees.
Before credits & paid funds$364,201The complete starting cash picture.
Estimated remaining funds due at closing
$364,201No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$349,889.81
Your down payment$349,889.81
Closing costs + prepaids$14,310.94
Total buyer cash needed$364,200.75
Remaining funds due$364,200.75
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%)$5,600.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,050.55
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,400.00
Initial HOA (3 months)$216.00
Prepaid interest, first (31 days)$576.39
Fees + prepaids$14,310.94
Your down payment is the seller’s equity. You take over the $210,110 balance, so the rest of the $560,000 price is paid at closing. A second mortgage can cover part of it. $364,200.75 is due at closing. Uses and sources reconcile at $574,310.94 each. Not a Closing Disclosure.