Follow the dollars · Assumption only
A complete cash picture for Dec 13, 2026
Your down payment$258,278Cash toward the purchase price.
Closing costs + prepaids$14,635Not just lender fees.
Before credits & paid funds$272,913The complete starting cash picture.
Estimated remaining funds due at closing
$272,913No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$258,278.47
Your down payment$258,278.47
Closing costs + prepaids$14,634.79
Total buyer cash needed$272,913.27
Remaining funds due$272,913.27
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%)$5,750.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,583.61
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,376.50
Prepaid interest, first (19 days)$456.69
Fees + prepaids$14,634.79
Your down payment is the seller’s equity. You take over the $316,722 balance, so the rest of the $575,000 price is paid at closing. A second mortgage can cover part of it. $272,913.27 is due at closing. Uses and sources reconcile at $589,634.79 each. Not a Closing Disclosure.