Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$294,536Cash toward the purchase price.
Closing costs + prepaids$14,221Not just lender fees.
Before credits & paid funds$308,757The complete starting cash picture.
Estimated remaining funds due at closing
$308,757No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$294,536.40
Your down payment$294,536.40
Closing costs + prepaids$14,220.79
Total buyer cash needed$308,757.19
Remaining funds due$308,757.19
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%)$1,352.32
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,028.00
Prepaid interest, first (26 days)$722.47
Fees + prepaids$14,220.79
Your down payment is the seller’s equity. You take over the $270,464 balance, so the rest of the $565,000 price is paid at closing. A second mortgage can cover part of it. $308,757.19 is due at closing. Uses and sources reconcile at $579,220.79 each. Not a Closing Disclosure.