Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$311,836Cash toward the purchase price.
Closing costs + prepaids$16,894Not just lender fees.
Before credits & paid funds$328,730The complete starting cash picture.
Estimated remaining funds due at closing
$328,730No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$311,836.19
Your down payment$311,836.19
Closing costs + prepaids$16,893.86
Total buyer cash needed$328,730.05
Remaining funds due$328,730.05
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%)$1,290.82
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,425.00
Initial HOA (3 months)$2,400.00
Prepaid interest, first (25 days)$610.04
Fees + prepaids$16,893.86
Your down payment is the seller’s equity. You take over the $258,164 balance, so the rest of the $570,000 price is paid at closing. A second mortgage can cover part of it. $328,730.05 is due at closing. Uses and sources reconcile at $586,893.86 each. Not a Closing Disclosure.