Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$247,758Cash toward the purchase price.
Closing costs + prepaids$15,985Not just lender fees.
Before credits & paid funds$263,742The complete starting cash picture.
Estimated remaining funds due at closing
$263,742No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$247,757.55
Your down payment$247,757.55
Closing costs + prepaids$15,984.92
Total buyer cash needed$263,742.47
Remaining funds due$263,742.47
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%)$1,636.21
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,437.50
Initial HOA (3 months)$915.00
Prepaid interest, first (28 days)$778.21
Fees + prepaids$15,984.92
Your down payment is the seller’s equity. You take over the $327,242 balance, so the rest of the $575,000 price is paid at closing. A second mortgage can cover part of it. $263,742.47 is due at closing. Uses and sources reconcile at $590,984.92 each. Not a Closing Disclosure.