Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$333,935Cash toward the purchase price.
Closing costs + prepaids$13,226Not just lender fees.
Before credits & paid funds$347,161The complete starting cash picture.
Estimated remaining funds due at closing
$347,161No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$333,934.88
Your down payment$333,934.88
Closing costs + prepaids$13,226.50
Total buyer cash needed$347,161.38
Remaining funds due$347,161.38
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%)$5,749.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,204.83
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$598.25
Initial HOA (3 months)$168.00
Prepaid interest, first (2 days)$38.42
Fees + prepaids$13,226.50
Your down payment is the seller’s equity. You take over the $240,965 balance, so the rest of the $574,900 price is paid at closing. A second mortgage can cover part of it. $347,161.38 is due at closing. Uses and sources reconcile at $588,126.50 each. Not a Closing Disclosure.