Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$282,861Cash toward the purchase price.
Closing costs + prepaids$13,827Not just lender fees.
Before credits & paid funds$296,688The complete starting cash picture.
Estimated remaining funds due at closing
$296,688No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$282,861.36
Your down payment$282,861.36
Closing costs + prepaids$13,827.06
Total buyer cash needed$296,688.42
Remaining funds due$296,688.42
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%)$5,700.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,435.69
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$480.50
Initial HOA (3 months)$146.01
Prepaid interest, first (27 days)$596.86
Fees + prepaids$13,827.06
Your down payment is the seller’s equity. You take over the $287,139 balance, so the rest of the $570,000 price is paid at closing. A second mortgage can cover part of it. $296,688.42 is due at closing. Uses and sources reconcile at $583,827.06 each. Not a Closing Disclosure.