Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$213,779Cash toward the purchase price.
Closing costs + prepaids$14,733Not just lender fees.
Before credits & paid funds$228,512The complete starting cash picture.
Estimated remaining funds due at closing
$228,512No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$213,779.12
Your down payment$213,779.12
Closing costs + prepaids$14,732.65
Total buyer cash needed$228,511.76
Remaining funds due$228,511.76
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%)$1,806.10
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$690.00
Initial HOA (3 months)$363.00
Prepaid interest, first (12 days)$655.54
Fees + prepaids$14,732.65
Your down payment is the seller’s equity. You take over the $361,221 balance, so the rest of the $575,000 price is paid at closing. A second mortgage can cover part of it. $228,511.76 is due at closing. Uses and sources reconcile at $589,732.65 each. Not a Closing Disclosure.