Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$352,411Cash toward the purchase price.
Closing costs + prepaids$13,651Not just lender fees.
Before credits & paid funds$366,062The complete starting cash picture.
Estimated remaining funds due at closing
$366,062No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$352,411.13
Your down payment$352,411.13
Closing costs + prepaids$13,650.53
Total buyer cash needed$366,061.66
Remaining funds due$366,061.66
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%)$5,647.77
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,061.83
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$677.75
Initial HOA (3 months)$459.00
Prepaid interest, first (9 days)$336.18
Fees + prepaids$13,650.53
Your down payment is the seller’s equity. You take over the $212,366 balance, so the rest of the $564,777 price is paid at closing. A second mortgage can cover part of it. $366,061.66 is due at closing. Uses and sources reconcile at $578,427.53 each. Not a Closing Disclosure.