Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$284,736Cash toward the purchase price.
Closing costs + prepaids$13,994Not just lender fees.
Before credits & paid funds$298,730The complete starting cash picture.
Estimated remaining funds due at closing
$298,730No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$284,736.49
Your down payment$284,736.49
Closing costs + prepaids$13,993.58
Total buyer cash needed$298,730.07
Remaining funds due$298,730.07
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%)$5,749.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,450.82
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$775.25
Prepaid interest, first (25 days)$550.52
Fees + prepaids$13,993.58
Your down payment is the seller’s equity. You take over the $290,164 balance, so the rest of the $574,900 price is paid at closing. A second mortgage can cover part of it. $298,730.07 is due at closing. Uses and sources reconcile at $588,893.58 each. Not a Closing Disclosure.