Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$273,952Cash toward the purchase price.
Closing costs + prepaids$14,224Not just lender fees.
Before credits & paid funds$288,176The complete starting cash picture.
Estimated remaining funds due at closing
$288,176No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$273,952.24
Your down payment$273,952.24
Closing costs + prepaids$14,223.68
Total buyer cash needed$288,175.92
Remaining funds due$288,175.92
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%)$1,455.24
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$478.00
Initial HOA (3 months)$450.00
Prepaid interest, first (30 days)$722.44
Fees + prepaids$14,223.68
Your down payment is the seller’s equity. You take over the $291,048 balance, so the rest of the $565,000 price is paid at closing. A second mortgage can cover part of it. $288,175.92 is due at closing. Uses and sources reconcile at $579,223.68 each. Not a Closing Disclosure.