Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$214,687Cash toward the purchase price.
Closing costs + prepaids$16,129Not just lender fees.
Before credits & paid funds$230,816The complete starting cash picture.
Estimated remaining funds due at closing
$230,816No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$214,686.65
Your down payment$214,686.65
Closing costs + prepaids$16,129.11
Total buyer cash needed$230,815.77
Remaining funds due$230,815.77
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%)$5,750.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,801.57
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,437.50
Initial HOA (3 months)$876.00
Prepaid interest, first (28 days)$796.05
Fees + prepaids$16,129.11
Your down payment is the seller’s equity. You take over the $360,313 balance, so the rest of the $575,000 price is paid at closing. A second mortgage can cover part of it. $230,815.77 is due at closing. Uses and sources reconcile at $591,129.11 each. Not a Closing Disclosure.