Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$292,951Cash toward the purchase price.
Closing costs + prepaids$16,200Not just lender fees.
Before credits & paid funds$309,151The complete starting cash picture.
Estimated remaining funds due at closing
$309,151No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$292,950.67
Your down payment$292,950.67
Closing costs + prepaids$16,200.41
Total buyer cash needed$309,151.07
Remaining funds due$309,151.07
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%)$5,690.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,380.25
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,422.50
Initial HOA (3 months)$1,680.00
Prepaid interest, first (25 days)$559.66
Fees + prepaids$16,200.41
Your down payment is the seller’s equity. You take over the $276,049 balance, so the rest of the $569,000 price is paid at closing. A second mortgage can cover part of it. $309,151.07 is due at closing. Uses and sources reconcile at $585,200.41 each. Not a Closing Disclosure.