Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$212,348Cash toward the purchase price.
Closing costs + prepaids$15,307Not just lender fees.
Before credits & paid funds$227,655The complete starting cash picture.
Estimated remaining funds due at closing
$227,655No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$212,347.82
Your down payment$212,347.82
Closing costs + prepaids$15,307.08
Total buyer cash needed$227,654.90
Remaining funds due$227,654.90
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%)$5,800.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,838.26
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,388.25
Initial HOA (3 months)$82.50
Prepaid interest, first (24 days)$730.07
Fees + prepaids$15,307.08
Your down payment is the seller’s equity. You take over the $367,652 balance, so the rest of the $580,000 price is paid at closing. A second mortgage can cover part of it. $227,654.90 is due at closing. Uses and sources reconcile at $595,307.08 each. Not a Closing Disclosure.