Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$274,880Cash toward the purchase price.
Closing costs + prepaids$13,807Not just lender fees.
Before credits & paid funds$288,687The complete starting cash picture.
Estimated remaining funds due at closing
$288,687No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$274,879.81
Your down payment$274,879.81
Closing costs + prepaids$13,807.25
Total buyer cash needed$288,687.06
Remaining funds due$288,687.06
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%)$5,600.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,425.60
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$730.75
Prepaid interest, first (26 days)$582.90
Fees + prepaids$13,807.25
Your down payment is the seller’s equity. You take over the $285,120 balance, so the rest of the $560,000 price is paid at closing. A second mortgage can cover part of it. $288,687.06 is due at closing. Uses and sources reconcile at $573,807.25 each. Not a Closing Disclosure.