Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$241,984Cash toward the purchase price.
Closing costs + prepaids$13,978Not just lender fees.
Before credits & paid funds$255,962The complete starting cash picture.
Estimated remaining funds due at closing
$255,962No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$241,983.86
Your down payment$241,983.86
Closing costs + prepaids$13,978.15
Total buyer cash needed$255,962.02
Remaining funds due$255,962.02
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%)$5,650.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,615.08
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$174.25
Prepaid interest, first (22 days)$1,070.82
Fees + prepaids$13,978.15
Your down payment is the seller’s equity. You take over the $323,016 balance, so the rest of the $565,000 price is paid at closing. A second mortgage can cover part of it. $255,962.02 is due at closing. Uses and sources reconcile at $578,978.15 each. Not a Closing Disclosure.