Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$289,954Cash toward the purchase price.
Closing costs + prepaids$14,094Not just lender fees.
Before credits & paid funds$304,048The complete starting cash picture.
Estimated remaining funds due at closing
$304,048No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$289,954.02
Your down payment$289,954.02
Closing costs + prepaids$14,094.19
Total buyer cash needed$304,048.21
Remaining funds due$304,048.21
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%)$5,725.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,412.73
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$743.00
Prepaid interest, first (30 days)$745.46
Fees + prepaids$14,094.19
Your down payment is the seller’s equity. You take over the $282,546 balance, so the rest of the $572,500 price is paid at closing. A second mortgage can cover part of it. $304,048.21 is due at closing. Uses and sources reconcile at $586,594.19 each. Not a Closing Disclosure.