Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$255,693Cash toward the purchase price.
Closing costs + prepaids$15,038Not just lender fees.
Before credits & paid funds$270,732The complete starting cash picture.
Estimated remaining funds due at closing
$270,732No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$255,693.38
Your down payment$255,693.38
Closing costs + prepaids$15,038.37
Total buyer cash needed$270,731.75
Remaining funds due$270,731.75
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%)$1,521.53
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$828.25
Initial HOA (3 months)$148.74
Prepaid interest, first (26 days)$1,471.84
Fees + prepaids$15,038.37
Your down payment is the seller’s equity. You take over the $304,307 balance, so the rest of the $560,000 price is paid at closing. A second mortgage can cover part of it. $270,731.75 is due at closing. Uses and sources reconcile at $575,038.37 each. Not a Closing Disclosure.