Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$226,266Cash toward the purchase price.
Closing costs + prepaids$14,335Not just lender fees.
Before credits & paid funds$240,601The complete starting cash picture.
Estimated remaining funds due at closing
$240,601No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$226,266.31
Your down payment$226,266.31
Closing costs + prepaids$14,335.17
Total buyer cash needed$240,601.48
Remaining funds due$240,601.48
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%)$1,743.67
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$875.50
Initial HOA (3 months)$438.00
Prepaid interest, first (2 days)$60.00
Fees + prepaids$14,335.17
Your down payment is the seller’s equity. You take over the $348,734 balance, so the rest of the $575,000 price is paid at closing. A second mortgage can cover part of it. $240,601.48 is due at closing. Uses and sources reconcile at $589,335.17 each. Not a Closing Disclosure.