Follow the dollars · Assumption only
A complete cash picture for Dec 11, 2026
Your down payment$325,107Cash toward the purchase price.
Closing costs + prepaids$13,476Not just lender fees.
Before credits & paid funds$338,583The complete starting cash picture.
Estimated remaining funds due at closing
$338,583No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$325,106.65
Your down payment$325,106.65
Closing costs + prepaids$13,476.45
Total buyer cash needed$338,583.09
Remaining funds due$338,583.09
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%)$5,650.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,199.47
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 (21 days)$590.73
Fees + prepaids$13,476.45
Your down payment is the seller’s equity. You take over the $239,893 balance, so the rest of the $565,000 price is paid at closing. A second mortgage can cover part of it. $338,583.09 is due at closing. Uses and sources reconcile at $578,476.45 each. Not a Closing Disclosure.