Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$300,973Cash toward the purchase price.
Closing costs + prepaids$14,320Not just lender fees.
Before credits & paid funds$315,292The complete starting cash picture.
Estimated remaining funds due at closing
$315,292No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$300,972.91
Your down payment$300,972.91
Closing costs + prepaids$14,319.53
Total buyer cash needed$315,292.43
Remaining funds due$315,292.43
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%)$5,650.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,320.14
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,118.50
Initial HOA (3 months)$225.00
Prepaid interest, first (26 days)$537.89
Fees + prepaids$14,319.53
Your down payment is the seller’s equity. You take over the $264,027 balance, so the rest of the $565,000 price is paid at closing. A second mortgage can cover part of it. $315,292.43 is due at closing. Uses and sources reconcile at $579,319.53 each. Not a Closing Disclosure.