Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$277,373Cash toward the purchase price.
Closing costs + prepaids$13,737Not just lender fees.
Before credits & paid funds$291,110The complete starting cash picture.
Estimated remaining funds due at closing
$291,110No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$277,373.48
Your down payment$277,373.48
Closing costs + prepaids$13,736.71
Total buyer cash needed$291,110.19
Remaining funds due$291,110.19
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%)$1,438.13
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$412.50
Prepaid interest, first (27 days)$768.08
Fees + prepaids$13,736.71
Your down payment is the seller’s equity. You take over the $287,627 balance, so the rest of the $565,000 price is paid at closing. A second mortgage can cover part of it. $291,110.19 is due at closing. Uses and sources reconcile at $578,736.71 each. Not a Closing Disclosure.