Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$300,616Cash toward the purchase price.
Closing costs + prepaids$13,931Not just lender fees.
Before credits & paid funds$314,547The complete starting cash picture.
Estimated remaining funds due at closing
$314,547No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$300,615.74
Your down payment$300,615.74
Closing costs + prepaids$13,931.09
Total buyer cash needed$314,546.82
Remaining funds due$314,546.82
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%)$1,321.92
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$765.75
Initial HOA (3 months)$150.00
Prepaid interest, first (24 days)$575.42
Fees + prepaids$13,931.09
Your down payment is the seller’s equity. You take over the $264,384 balance, so the rest of the $565,000 price is paid at closing. A second mortgage can cover part of it. $314,546.82 is due at closing. Uses and sources reconcile at $578,931.09 each. Not a Closing Disclosure.