Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$256,390Cash toward the purchase price.
Closing costs + prepaids$14,318Not just lender fees.
Before credits & paid funds$270,708The complete starting cash picture.
Estimated remaining funds due at closing
$270,708No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$256,390.29
Your down payment$256,390.29
Closing costs + prepaids$14,317.84
Total buyer cash needed$270,708.12
Remaining funds due$270,708.12
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%)$1,593.05
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$632.75
Prepaid interest, first (31 days)$874.04
Fees + prepaids$14,317.84
Your down payment is the seller’s equity. You take over the $318,610 balance, so the rest of the $575,000 price is paid at closing. A second mortgage can cover part of it. $270,708.12 is due at closing. Uses and sources reconcile at $589,317.84 each. Not a Closing Disclosure.