Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$336,745Cash toward the purchase price.
Closing costs + prepaids$14,178Not just lender fees.
Before credits & paid funds$350,922The complete starting cash picture.
Estimated remaining funds due at closing
$350,922No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$336,744.61
Your down payment$336,744.61
Closing costs + prepaids$14,177.87
Total buyer cash needed$350,922.48
Remaining funds due$350,922.48
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%)$1,111.28
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$949.25
Initial HOA (3 months)$324.99
Prepaid interest, first (30 days)$734.36
Fees + prepaids$14,177.87
Your down payment is the seller’s equity. You take over the $222,255 balance, so the rest of the $559,000 price is paid at closing. A second mortgage can cover part of it. $350,922.48 is due at closing. Uses and sources reconcile at $573,177.87 each. Not a Closing Disclosure.