Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$205,670Cash toward the purchase price.
Closing costs + prepaids$15,132Not just lender fees.
Before credits & paid funds$220,801The complete starting cash picture.
Estimated remaining funds due at closing
$220,801No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$205,669.75
Your down payment$205,669.75
Closing costs + prepaids$15,131.55
Total buyer cash needed$220,801.31
Remaining funds due$220,801.31
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%)$5,690.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,816.65
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,355.00
Initial HOA (3 months)$129.99
Prepaid interest, first (30 days)$671.91
Fees + prepaids$15,131.55
Your down payment is the seller’s equity. You take over the $363,330 balance, so the rest of the $569,000 price is paid at closing. A second mortgage can cover part of it. $220,801.31 is due at closing. Uses and sources reconcile at $584,131.55 each. Not a Closing Disclosure.