Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$223,677Cash toward the purchase price.
Closing costs + prepaids$15,184Not just lender fees.
Before credits & paid funds$238,860The complete starting cash picture.
Estimated remaining funds due at closing
$238,860No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$223,676.53
Your down payment$223,676.53
Closing costs + prepaids$15,183.64
Total buyer cash needed$238,860.16
Remaining funds due$238,860.16
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%)$5,749.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,756.12
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,437.25
Prepaid interest, first (28 days)$773.27
Fees + prepaids$15,183.64
Your down payment is the seller’s equity. You take over the $351,223 balance, so the rest of the $574,900 price is paid at closing. A second mortgage can cover part of it. $238,860.16 is due at closing. Uses and sources reconcile at $590,083.64 each. Not a Closing Disclosure.