Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$206,107Cash toward the purchase price.
Closing costs + prepaids$16,097Not just lender fees.
Before credits & paid funds$222,204The complete starting cash picture.
Estimated remaining funds due at closing
$222,204No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$206,106.76
Your down payment$206,106.76
Closing costs + prepaids$16,097.49
Total buyer cash needed$222,204.25
Remaining funds due$222,204.25
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%)$5,700.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,819.47
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,425.00
Initial HOA (3 months)$708.00
Prepaid interest, first (28 days)$977.03
Fees + prepaids$16,097.49
Your down payment is the seller’s equity. You take over the $363,893 balance, so the rest of the $570,000 price is paid at closing. A second mortgage can cover part of it. $222,204.25 is due at closing. Uses and sources reconcile at $586,097.49 each. Not a Closing Disclosure.