Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$231,086Cash toward the purchase price.
Closing costs + prepaids$14,615Not just lender fees.
Before credits & paid funds$245,701The complete starting cash picture.
Estimated remaining funds due at closing
$245,701No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$231,085.94
Your down payment$231,085.94
Closing costs + prepaids$14,615.13
Total buyer cash needed$245,701.07
Remaining funds due$245,701.07
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%)$1,694.57
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$676.25
Initial HOA (3 months)$9.24
Prepaid interest, first (26 days)$1,067.07
Fees + prepaids$14,615.13
Your down payment is the seller’s equity. You take over the $338,914 balance, so the rest of the $570,000 price is paid at closing. A second mortgage can cover part of it. $245,701.07 is due at closing. Uses and sources reconcile at $584,615.13 each. Not a Closing Disclosure.