Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$338,694Cash toward the purchase price.
Closing costs + prepaids$13,936Not just lender fees.
Before credits & paid funds$352,630The complete starting cash picture.
Estimated remaining funds due at closing
$352,630No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$338,694.12
Your down payment$338,694.12
Closing costs + prepaids$13,936.38
Total buyer cash needed$352,630.50
Remaining funds due$352,630.50
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%)$5,777.77
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,195.41
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,444.50
Prepaid interest, first (2 days)$50.70
Fees + prepaids$13,936.38
Your down payment is the seller’s equity. You take over the $239,083 balance, so the rest of the $577,777 price is paid at closing. A second mortgage can cover part of it. $352,630.50 is due at closing. Uses and sources reconcile at $591,713.38 each. Not a Closing Disclosure.