Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$342,792Cash toward the purchase price.
Closing costs + prepaids$13,429Not just lender fees.
Before credits & paid funds$356,220The complete starting cash picture.
Estimated remaining funds due at closing
$356,220No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$342,791.65
Your down payment$342,791.65
Closing costs + prepaids$13,428.67
Total buyer cash needed$356,220.32
Remaining funds due$356,220.32
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%)$5,900.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,236.04
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$708.00
Prepaid interest, first (6 days)$116.63
Fees + prepaids$13,428.67
Your down payment is the seller’s equity. You take over the $247,208 balance, so the rest of the $590,000 price is paid at closing. A second mortgage can cover part of it. $356,220.32 is due at closing. Uses and sources reconcile at $603,428.67 each. Not a Closing Disclosure.