Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$335,851Cash toward the purchase price.
Closing costs + prepaids$14,218Not just lender fees.
Before credits & paid funds$350,069The complete starting cash picture.
Estimated remaining funds due at closing
$350,069No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$335,850.78
Your down payment$335,850.78
Closing costs + prepaids$14,217.88
Total buyer cash needed$350,068.66
Remaining funds due$350,068.66
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%)$5,690.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,165.75
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,313.50
Prepaid interest, first (30 days)$580.64
Fees + prepaids$14,217.88
Your down payment is the seller’s equity. You take over the $233,149 balance, so the rest of the $569,000 price is paid at closing. A second mortgage can cover part of it. $350,068.66 is due at closing. Uses and sources reconcile at $583,217.88 each. Not a Closing Disclosure.