Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$348,055Cash toward the purchase price.
Closing costs + prepaids$14,021Not just lender fees.
Before credits & paid funds$362,076The complete starting cash picture.
Estimated remaining funds due at closing
$362,076No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$348,055.08
Your down payment$348,055.08
Closing costs + prepaids$14,021.30
Total buyer cash needed$362,076.37
Remaining funds due$362,076.37
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%)$5,770.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,144.72
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,228.75
Initial HOA (3 months)$390.00
Prepaid interest, first (1 days)$19.82
Fees + prepaids$14,021.30
Your down payment is the seller’s equity. You take over the $228,945 balance, so the rest of the $577,000 price is paid at closing. A second mortgage can cover part of it. $362,076.37 is due at closing. Uses and sources reconcile at $591,021.30 each. Not a Closing Disclosure.