Follow the dollars · Assumption only
A complete cash picture for Dec 21, 2026
Your down payment$295,804Cash toward the purchase price.
Closing costs + prepaids$13,529Not just lender fees.
Before credits & paid funds$309,334The complete starting cash picture.
Estimated remaining funds due at closing
$309,334No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$295,804.49
Your down payment$295,804.49
Closing costs + prepaids$13,529.48
Total buyer cash needed$309,333.97
Remaining funds due$309,333.97
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%)$5,750.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,395.98
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$690.00
Prepaid interest, first (11 days)$225.50
Fees + prepaids$13,529.48
Your down payment is the seller’s equity. You take over the $279,196 balance, so the rest of the $575,000 price is paid at closing. A second mortgage can cover part of it. $309,333.97 is due at closing. Uses and sources reconcile at $588,529.48 each. Not a Closing Disclosure.