Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$353,585Cash toward the purchase price.
Closing costs + prepaids$14,212Not just lender fees.
Before credits & paid funds$367,798The complete starting cash picture.
Estimated remaining funds due at closing
$367,798No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$353,585.38
Your down payment$353,585.38
Closing costs + prepaids$14,212.14
Total buyer cash needed$367,797.52
Remaining funds due$367,797.52
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%)$1,106.57
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,257.00
Prepaid interest, first (31 days)$631.57
Fees + prepaids$14,212.14
Your down payment is the seller’s equity. You take over the $221,315 balance, so the rest of the $574,900 price is paid at closing. A second mortgage can cover part of it. $367,797.52 is due at closing. Uses and sources reconcile at $589,112.14 each. Not a Closing Disclosure.