Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$238,987Cash toward the purchase price.
Closing costs + prepaids$14,956Not just lender fees.
Before credits & paid funds$253,944The complete starting cash picture.
Estimated remaining funds due at closing
$253,944No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$238,987.46
Your down payment$238,987.46
Closing costs + prepaids$14,956.21
Total buyer cash needed$253,943.67
Remaining funds due$253,943.67
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%)$5,650.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,630.06
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,122.75
Prepaid interest, first (31 days)$1,085.40
Fees + prepaids$14,956.21
Your down payment is the seller’s equity. You take over the $326,013 balance, so the rest of the $565,000 price is paid at closing. A second mortgage can cover part of it. $253,943.67 is due at closing. Uses and sources reconcile at $579,956.21 each. Not a Closing Disclosure.