Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$213,790Cash toward the purchase price.
Closing costs + prepaids$15,772Not just lender fees.
Before credits & paid funds$229,562The complete starting cash picture.
Estimated remaining funds due at closing
$229,562No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$213,789.94
Your down payment$213,789.94
Closing costs + prepaids$15,771.62
Total buyer cash needed$229,561.56
Remaining funds due$229,561.56
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%)$1,806.05
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$652.25
Prepaid interest, first (31 days)$2,095.32
Fees + prepaids$15,771.62
Your down payment is the seller’s equity. You take over the $361,210 balance, so the rest of the $575,000 price is paid at closing. A second mortgage can cover part of it. $229,561.56 is due at closing. Uses and sources reconcile at $590,771.62 each. Not a Closing Disclosure.