Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$345,470Cash toward the purchase price.
Closing costs + prepaids$13,239Not just lender fees.
Before credits & paid funds$358,709The complete starting cash picture.
Estimated remaining funds due at closing
$358,709No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$345,470.42
Your down payment$345,470.42
Closing costs + prepaids$13,238.69
Total buyer cash needed$358,709.11
Remaining funds due$358,709.11
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%)$1,170.15
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 (1 days)$24.04
Fees + prepaids$13,238.69
Your down payment is the seller’s equity. You take over the $234,030 balance, so the rest of the $579,500 price is paid at closing. A second mortgage can cover part of it. $358,709.11 is due at closing. Uses and sources reconcile at $592,738.69 each. Not a Closing Disclosure.