Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$277,901Cash toward the purchase price.
Closing costs + prepaids$14,174Not just lender fees.
Before credits & paid funds$292,075The complete starting cash picture.
Estimated remaining funds due at closing
$292,075No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$277,900.92
Your down payment$277,900.92
Closing costs + prepaids$14,173.99
Total buyer cash needed$292,074.92
Remaining funds due$292,074.92
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%)$5,694.50
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,457.75
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$945.25
Prepaid interest, first (26 days)$608.50
Fees + prepaids$14,173.99
Your down payment is the seller’s equity. You take over the $291,549 balance, so the rest of the $569,450 price is paid at closing. A second mortgage can cover part of it. $292,074.92 is due at closing. Uses and sources reconcile at $583,623.99 each. Not a Closing Disclosure.