Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$256,743Cash toward the purchase price.
Closing costs + prepaids$13,940Not just lender fees.
Before credits & paid funds$270,683The complete starting cash picture.
Estimated remaining funds due at closing
$270,683No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$256,743.39
Your down payment$256,743.39
Closing costs + prepaids$13,939.67
Total buyer cash needed$270,683.05
Remaining funds due$270,683.05
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%)$1,541.28
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$678.00
Initial HOA (3 months)$360.00
Prepaid interest, first (10 days)$242.38
Fees + prepaids$13,939.67
Your down payment is the seller’s equity. You take over the $308,257 balance, so the rest of the $565,000 price is paid at closing. A second mortgage can cover part of it. $270,683.05 is due at closing. Uses and sources reconcile at $578,939.67 each. Not a Closing Disclosure.