Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$199,217Cash toward the purchase price.
Closing costs + prepaids$13,842Not just lender fees.
Before credits & paid funds$213,060The complete starting cash picture.
Estimated remaining funds due at closing
$213,060No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$199,217.40
Your down payment$199,217.40
Closing costs + prepaids$13,842.37
Total buyer cash needed$213,059.77
Remaining funds due$213,059.77
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%)$5,690.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,848.91
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$804.25
Prepaid interest, first (1 days)$31.20
Fees + prepaids$13,842.37
Your down payment is the seller’s equity. You take over the $369,783 balance, so the rest of the $569,000 price is paid at closing. A second mortgage can cover part of it. $213,059.77 is due at closing. Uses and sources reconcile at $582,842.37 each. Not a Closing Disclosure.