Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$265,498Cash toward the purchase price.
Closing costs + prepaids$13,638Not just lender fees.
Before credits & paid funds$279,136The complete starting cash picture.
Estimated remaining funds due at closing
$279,136No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$265,497.52
Your down payment$265,497.52
Closing costs + prepaids$13,638.43
Total buyer cash needed$279,135.95
Remaining funds due$279,135.95
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%)$5,800.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,572.51
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$597.25
Initial HOA (3 months)$150.00
Prepaid interest, first (2 days)$50.67
Fees + prepaids$13,638.43
Your down payment is the seller’s equity. You take over the $314,502 balance, so the rest of the $580,000 price is paid at closing. A second mortgage can cover part of it. $279,135.95 is due at closing. Uses and sources reconcile at $593,638.43 each. Not a Closing Disclosure.