Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$277,857Cash toward the purchase price.
Closing costs + prepaids$15,696Not just lender fees.
Before credits & paid funds$293,553The complete starting cash picture.
Estimated remaining funds due at closing
$293,553No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$277,856.93
Your down payment$277,856.93
Closing costs + prepaids$15,696.17
Total buyer cash needed$293,553.11
Remaining funds due$293,553.11
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%)$5,600.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,410.72
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$2,494.25
Initial HOA (3 months)$27.51
Prepaid interest, first (30 days)$695.70
Fees + prepaids$15,696.17
Your down payment is the seller’s equity. You take over the $282,143 balance, so the rest of the $560,000 price is paid at closing. A second mortgage can cover part of it. $293,553.11 is due at closing. Uses and sources reconcile at $575,696.17 each. Not a Closing Disclosure.