Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$211,322Cash toward the purchase price.
Closing costs + prepaids$13,995Not just lender fees.
Before credits & paid funds$225,317The complete starting cash picture.
Estimated remaining funds due at closing
$225,317No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$211,321.89
Your down payment$211,321.89
Closing costs + prepaids$13,995.48
Total buyer cash needed$225,317.37
Remaining funds due$225,317.37
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%)$5,600.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,743.39
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$138.00
Initial HOA (3 months)$249.00
Prepaid interest, first (28 days)$797.09
Fees + prepaids$13,995.48
Your down payment is the seller’s equity. You take over the $348,678 balance, so the rest of the $560,000 price is paid at closing. A second mortgage can cover part of it. $225,317.37 is due at closing. Uses and sources reconcile at $573,995.48 each. Not a Closing Disclosure.