Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$287,810Cash toward the purchase price.
Closing costs + prepaids$14,364Not just lender fees.
Before credits & paid funds$302,174The complete starting cash picture.
Estimated remaining funds due at closing
$302,174No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$287,810.15
Your down payment$287,810.15
Closing costs + prepaids$14,364.23
Total buyer cash needed$302,174.38
Remaining funds due$302,174.38
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%)$5,590.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,355.95
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,397.50
Prepaid interest, first (24 days)$552.78
Fees + prepaids$14,364.23
Your down payment is the seller’s equity. You take over the $271,190 balance, so the rest of the $559,000 price is paid at closing. A second mortgage can cover part of it. $302,174.38 is due at closing. Uses and sources reconcile at $573,364.23 each. Not a Closing Disclosure.