Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$256,728Cash toward the purchase price.
Closing costs + prepaids$14,886Not just lender fees.
Before credits & paid funds$271,614The complete starting cash picture.
Estimated remaining funds due at closing
$271,614No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$256,728.30
Your down payment$256,728.30
Closing costs + prepaids$14,885.77
Total buyer cash needed$271,614.08
Remaining funds due$271,614.08
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%)$5,600.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,516.36
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,294.75
Initial HOA (3 months)$300.00
Prepaid interest, first (27 days)$706.66
Fees + prepaids$14,885.77
Your down payment is the seller’s equity. You take over the $303,272 balance, so the rest of the $560,000 price is paid at closing. A second mortgage can cover part of it. $271,614.08 is due at closing. Uses and sources reconcile at $574,885.77 each. Not a Closing Disclosure.