Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$344,122Cash toward the purchase price.
Closing costs + prepaids$13,119Not just lender fees.
Before credits & paid funds$357,241The complete starting cash picture.
Estimated remaining funds due at closing
$357,241No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$344,121.70
Your down payment$344,121.70
Closing costs + prepaids$13,119.07
Total buyer cash needed$357,240.77
Remaining funds due$357,240.77
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%)$5,699.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,128.89
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$684.00
Prepaid interest, first (6 days)$139.18
Fees + prepaids$13,119.07
Your down payment is the seller’s equity. You take over the $225,778 balance, so the rest of the $569,900 price is paid at closing. A second mortgage can cover part of it. $357,240.77 is due at closing. Uses and sources reconcile at $583,019.07 each. Not a Closing Disclosure.