Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$356,284Cash toward the purchase price.
Closing costs + prepaids$13,412Not just lender fees.
Before credits & paid funds$369,696The complete starting cash picture.
Estimated remaining funds due at closing
$369,696No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$356,283.87
Your down payment$356,283.87
Closing costs + prepaids$13,412.07
Total buyer cash needed$369,695.93
Remaining funds due$369,695.93
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%)$5,600.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,018.58
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$480.00
Initial HOA (3 months)$342.00
Prepaid interest, first (31 days)$503.49
Fees + prepaids$13,412.07
Your down payment is the seller’s equity. You take over the $203,716 balance, so the rest of the $560,000 price is paid at closing. A second mortgage can cover part of it. $369,695.93 is due at closing. Uses and sources reconcile at $573,412.07 each. Not a Closing Disclosure.