Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$200,057Cash toward the purchase price.
Closing costs + prepaids$14,648Not just lender fees.
Before credits & paid funds$214,705The complete starting cash picture.
Estimated remaining funds due at closing
$214,705No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$200,057.21
Your down payment$200,057.21
Closing costs + prepaids$14,647.55
Total buyer cash needed$214,704.75
Remaining funds due$214,704.75
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%)$1,844.71
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 (27 days)$840.58
Fees + prepaids$14,647.55
Your down payment is the seller’s equity. You take over the $368,943 balance, so the rest of the $569,000 price is paid at closing. A second mortgage can cover part of it. $214,704.75 is due at closing. Uses and sources reconcile at $583,647.55 each. Not a Closing Disclosure.