Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$218,146Cash toward the purchase price.
Closing costs + prepaids$13,914Not just lender fees.
Before credits & paid funds$232,060The complete starting cash picture.
Estimated remaining funds due at closing
$232,060No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$218,145.96
Your down payment$218,145.96
Closing costs + prepaids$13,914.30
Total buyer cash needed$232,060.26
Remaining funds due$232,060.26
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%)$5,699.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,758.77
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$684.00
Prepaid interest, first (10 days)$304.53
Fees + prepaids$13,914.30
Your down payment is the seller’s equity. You take over the $351,754 balance, so the rest of the $569,900 price is paid at closing. A second mortgage can cover part of it. $232,060.26 is due at closing. Uses and sources reconcile at $583,814.30 each. Not a Closing Disclosure.