Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$279,039Cash toward the purchase price.
Closing costs + prepaids$14,205Not just lender fees.
Before credits & paid funds$293,244The complete starting cash picture.
Estimated remaining funds due at closing
$293,244No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$279,039.27
Your down payment$279,039.27
Closing costs + prepaids$14,204.58
Total buyer cash needed$293,243.85
Remaining funds due$293,243.85
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%)$5,690.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,449.80
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$704.00
Initial HOA (3 months)$296.01
Prepaid interest, first (24 days)$596.76
Fees + prepaids$14,204.58
Your down payment is the seller’s equity. You take over the $289,961 balance, so the rest of the $569,000 price is paid at closing. A second mortgage can cover part of it. $293,243.85 is due at closing. Uses and sources reconcile at $583,204.58 each. Not a Closing Disclosure.