Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$360,805Cash toward the purchase price.
Closing costs + prepaids$13,536Not just lender fees.
Before credits & paid funds$374,341The complete starting cash picture.
Estimated remaining funds due at closing
$374,341No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$360,804.86
Your down payment$360,804.86
Closing costs + prepaids$13,536.27
Total buyer cash needed$374,341.14
Remaining funds due$374,341.14
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%)$5,950.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,170.98
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$714.00
Prepaid interest, first (6 days)$233.30
Fees + prepaids$13,536.27
Your down payment is the seller’s equity. You take over the $234,195 balance, so the rest of the $595,000 price is paid at closing. A second mortgage can cover part of it. $374,341.14 is due at closing. Uses and sources reconcile at $608,536.27 each. Not a Closing Disclosure.