Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$282,180Cash toward the purchase price.
Closing costs + prepaids$13,256Not just lender fees.
Before credits & paid funds$295,436The complete starting cash picture.
Estimated remaining funds due at closing
$295,436No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$282,179.91
Your down payment$282,179.91
Closing costs + prepaids$13,255.77
Total buyer cash needed$295,435.67
Remaining funds due$295,435.67
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%)$5,700.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,439.10
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$480.50
Initial HOA (3 months)$146.01
Prepaid interest, first (1 days)$22.16
Fees + prepaids$13,255.77
Your down payment is the seller’s equity. You take over the $287,820 balance, so the rest of the $570,000 price is paid at closing. A second mortgage can cover part of it. $295,435.67 is due at closing. Uses and sources reconcile at $583,255.77 each. Not a Closing Disclosure.