Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$243,120Cash toward the purchase price.
Closing costs + prepaids$14,447Not just lender fees.
Before credits & paid funds$257,568The complete starting cash picture.
Estimated remaining funds due at closing
$257,568No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$243,120.39
Your down payment$243,120.39
Closing costs + prepaids$14,447.45
Total buyer cash needed$257,567.85
Remaining funds due$257,567.85
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%)$5,850.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,709.40
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$717.00
Prepaid interest, first (27 days)$703.05
Fees + prepaids$14,447.45
Your down payment is the seller’s equity. You take over the $341,880 balance, so the rest of the $585,000 price is paid at closing. A second mortgage can cover part of it. $257,567.85 is due at closing. Uses and sources reconcile at $599,447.45 each. Not a Closing Disclosure.