Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$334,582Cash toward the purchase price.
Closing costs + prepaids$13,017Not just lender fees.
Before credits & paid funds$347,598The complete starting cash picture.
Estimated remaining funds due at closing
$347,598No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$334,581.78
Your down payment$334,581.78
Closing costs + prepaids$13,016.53
Total buyer cash needed$347,598.32
Remaining funds due$347,598.32
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%)$5,750.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,202.09
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$568.25
Prepaid interest, first (1 days)$28.19
Fees + prepaids$13,016.53
Your down payment is the seller’s equity. You take over the $240,418 balance, so the rest of the $575,000 price is paid at closing. A second mortgage can cover part of it. $347,598.32 is due at closing. Uses and sources reconcile at $588,016.53 each. Not a Closing Disclosure.