Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$317,382Cash toward the purchase price.
Closing costs + prepaids$12,795Not just lender fees.
Before credits & paid funds$330,177The complete starting cash picture.
Estimated remaining funds due at closing
$330,177No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$317,382.18
Your down payment$317,382.18
Closing costs + prepaids$12,794.97
Total buyer cash needed$330,177.15
Remaining funds due$330,177.15
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%)$1,288.09
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$33.25
Initial HOA (3 months)$200.01
Prepaid interest, first (2 days)$55.62
Fees + prepaids$12,794.97
Your down payment is the seller’s equity. You take over the $257,618 balance, so the rest of the $575,000 price is paid at closing. A second mortgage can cover part of it. $330,177.15 is due at closing. Uses and sources reconcile at $587,794.97 each. Not a Closing Disclosure.