Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$335,107Cash toward the purchase price.
Closing costs + prepaids$13,858Not just lender fees.
Before credits & paid funds$348,964The complete starting cash picture.
Estimated remaining funds due at closing
$348,964No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$335,106.65
Your down payment$335,106.65
Closing costs + prepaids$13,857.75
Total buyer cash needed$348,964.39
Remaining funds due$348,964.39
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%)$5,750.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,199.47
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$568.25
Prepaid interest, first (31 days)$872.03
Fees + prepaids$13,857.75
Your down payment is the seller’s equity. You take over the $239,893 balance, so the rest of the $575,000 price is paid at closing. A second mortgage can cover part of it. $348,964.39 is due at closing. Uses and sources reconcile at $588,857.75 each. Not a Closing Disclosure.