Follow the dollars · Assumption only
A complete cash picture for Dec 11, 2026
Your down payment$345,997Cash toward the purchase price.
Closing costs + prepaids$13,716Not just lender fees.
Before credits & paid funds$359,713The complete starting cash picture.
Estimated remaining funds due at closing
$359,713No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$345,997.27
Your down payment$345,997.27
Closing costs + prepaids$13,715.80
Total buyer cash needed$359,713.07
Remaining funds due$359,713.07
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%)$5,795.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,167.51
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$781.50
Prepaid interest, first (21 days)$503.79
Fees + prepaids$13,715.80
Your down payment is the seller’s equity. You take over the $233,503 balance, so the rest of the $579,500 price is paid at closing. A second mortgage can cover part of it. $359,713.07 is due at closing. Uses and sources reconcile at $593,215.80 each. Not a Closing Disclosure.