Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$237,981Cash toward the purchase price.
Closing costs + prepaids$14,702Not just lender fees.
Before credits & paid funds$252,682The complete starting cash picture.
Estimated remaining funds due at closing
$252,682No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$237,980.78
Your down payment$237,980.78
Closing costs + prepaids$14,701.66
Total buyer cash needed$252,682.44
Remaining funds due$252,682.44
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%)$5,620.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,620.10
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$600.75
Initial HOA (3 months)$645.00
Prepaid interest, first (27 days)$747.82
Fees + prepaids$14,701.66
Your down payment is the seller’s equity. You take over the $324,019 balance, so the rest of the $562,000 price is paid at closing. A second mortgage can cover part of it. $252,682.44 is due at closing. Uses and sources reconcile at $576,701.66 each. Not a Closing Disclosure.