Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$318,077Cash toward the purchase price.
Closing costs + prepaids$13,374Not just lender fees.
Before credits & paid funds$331,450The complete starting cash picture.
Estimated remaining funds due at closing
$331,450No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$318,076.72
Your down payment$318,076.72
Closing costs + prepaids$13,373.75
Total buyer cash needed$331,450.47
Remaining funds due$331,450.47
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%)$5,750.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,284.62
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$33.25
Initial HOA (3 months)$200.01
Prepaid interest, first (23 days)$637.87
Fees + prepaids$13,373.75
Your down payment is the seller’s equity. You take over the $256,923 balance, so the rest of the $575,000 price is paid at closing. A second mortgage can cover part of it. $331,450.47 is due at closing. Uses and sources reconcile at $588,373.75 each. Not a Closing Disclosure.