Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$248,176Cash toward the purchase price.
Closing costs + prepaids$14,676Not just lender fees.
Before credits & paid funds$262,853The complete starting cash picture.
Estimated remaining funds due at closing
$262,853No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$248,176.32
Your down payment$248,176.32
Closing costs + prepaids$14,676.48
Total buyer cash needed$262,852.80
Remaining funds due$262,852.80
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%)$1,584.12
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,171.75
Initial HOA (3 months)$20.01
Prepaid interest, first (28 days)$782.60
Fees + prepaids$14,676.48
Your down payment is the seller’s equity. You take over the $316,824 balance, so the rest of the $565,000 price is paid at closing. A second mortgage can cover part of it. $262,852.80 is due at closing. Uses and sources reconcile at $579,676.48 each. Not a Closing Disclosure.