Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$292,095Cash toward the purchase price.
Closing costs + prepaids$13,845Not just lender fees.
Before credits & paid funds$305,940The complete starting cash picture.
Estimated remaining funds due at closing
$305,940No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$292,095.14
Your down payment$292,095.14
Closing costs + prepaids$13,845.30
Total buyer cash needed$305,940.45
Remaining funds due$305,940.45
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%)$5,600.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,339.52
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$468.00
Initial HOA (3 months)$318.00
Prepaid interest, first (30 days)$651.78
Fees + prepaids$13,845.30
Your down payment is the seller’s equity. You take over the $267,905 balance, so the rest of the $560,000 price is paid at closing. A second mortgage can cover part of it. $305,940.45 is due at closing. Uses and sources reconcile at $573,845.30 each. Not a Closing Disclosure.