Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$304,887Cash toward the purchase price.
Closing costs + prepaids$13,600Not just lender fees.
Before credits & paid funds$318,488The complete starting cash picture.
Estimated remaining funds due at closing
$318,488No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$304,887.23
Your down payment$304,887.23
Closing costs + prepaids$13,600.46
Total buyer cash needed$318,487.69
Remaining funds due$318,487.69
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%)$1,350.56
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$493.00
Prepaid interest, first (22 days)$538.89
Fees + prepaids$13,600.46
Your down payment is the seller’s equity. You take over the $270,113 balance, so the rest of the $575,000 price is paid at closing. A second mortgage can cover part of it. $318,487.69 is due at closing. Uses and sources reconcile at $588,600.46 each. Not a Closing Disclosure.