Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$281,352Cash toward the purchase price.
Closing costs + prepaids$14,750Not just lender fees.
Before credits & paid funds$296,102The complete starting cash picture.
Estimated remaining funds due at closing
$296,102No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$281,352.03
Your down payment$281,352.03
Closing costs + prepaids$14,749.91
Total buyer cash needed$296,101.94
Remaining funds due$296,101.94
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%)$5,760.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,473.24
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,440.00
Prepaid interest, first (26 days)$608.67
Fees + prepaids$14,749.91
Your down payment is the seller’s equity. You take over the $294,648 balance, so the rest of the $576,000 price is paid at closing. A second mortgage can cover part of it. $296,101.94 is due at closing. Uses and sources reconcile at $590,749.91 each. Not a Closing Disclosure.