Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$212,851Cash toward the purchase price.
Closing costs + prepaids$15,184Not just lender fees.
Before credits & paid funds$228,035The complete starting cash picture.
Estimated remaining funds due at closing
$228,035No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$212,851.33
Your down payment$212,851.33
Closing costs + prepaids$15,183.61
Total buyer cash needed$228,034.94
Remaining funds due$228,034.94
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%)$1,810.74
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,336.75
Initial HOA (3 months)$135.00
Prepaid interest, first (27 days)$683.12
Fees + prepaids$15,183.61
Your down payment is the seller’s equity. You take over the $362,149 balance, so the rest of the $575,000 price is paid at closing. A second mortgage can cover part of it. $228,034.94 is due at closing. Uses and sources reconcile at $590,183.61 each. Not a Closing Disclosure.