Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$246,773Cash toward the purchase price.
Closing costs + prepaids$13,623Not just lender fees.
Before credits & paid funds$260,396The complete starting cash picture.
Estimated remaining funds due at closing
$260,396No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$246,773.29
Your down payment$246,773.29
Closing costs + prepaids$13,622.53
Total buyer cash needed$260,395.82
Remaining funds due$260,395.82
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%)$5,650.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,591.13
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$678.00
Prepaid interest, first (12 days)$235.40
Fees + prepaids$13,622.53
Your down payment is the seller’s equity. You take over the $318,227 balance, so the rest of the $565,000 price is paid at closing. A second mortgage can cover part of it. $260,395.82 is due at closing. Uses and sources reconcile at $578,622.53 each. Not a Closing Disclosure.