Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$271,746Cash toward the purchase price.
Closing costs + prepaids$13,872Not just lender fees.
Before credits & paid funds$285,617The complete starting cash picture.
Estimated remaining funds due at closing
$285,617No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$271,745.76
Your down payment$271,745.76
Closing costs + prepaids$13,871.65
Total buyer cash needed$285,617.41
Remaining funds due$285,617.41
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%)$5,699.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,490.77
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$439.50
Initial HOA (3 months)$123.75
Prepaid interest, first (27 days)$650.63
Fees + prepaids$13,871.65
Your down payment is the seller’s equity. You take over the $298,154 balance, so the rest of the $569,900 price is paid at closing. A second mortgage can cover part of it. $285,617.41 is due at closing. Uses and sources reconcile at $583,771.65 each. Not a Closing Disclosure.