Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$281,971Cash toward the purchase price.
Closing costs + prepaids$13,941Not just lender fees.
Before credits & paid funds$295,912The complete starting cash picture.
Estimated remaining funds due at closing
$295,912No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$281,970.56
Your down payment$281,970.56
Closing costs + prepaids$13,941.40
Total buyer cash needed$295,911.96
Remaining funds due$295,911.96
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%)$1,440.15
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$549.50
Prepaid interest, first (26 days)$783.76
Fees + prepaids$13,941.40
Your down payment is the seller’s equity. You take over the $288,029 balance, so the rest of the $570,000 price is paid at closing. A second mortgage can cover part of it. $295,911.96 is due at closing. Uses and sources reconcile at $583,941.40 each. Not a Closing Disclosure.