Follow the dollars · Assumption only
A complete cash picture for Dec 17, 2026
Your down payment$284,984Cash toward the purchase price.
Closing costs + prepaids$14,172Not just lender fees.
Before credits & paid funds$299,155The complete starting cash picture.
Estimated remaining funds due at closing
$299,155No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$284,983.91
Your down payment$284,983.91
Closing costs + prepaids$14,171.55
Total buyer cash needed$299,155.47
Remaining funds due$299,155.47
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%)$5,699.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,424.58
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$712.50
Initial HOA (3 months)$90.00
Prepaid interest, first (15 days)$777.47
Fees + prepaids$14,171.55
Your down payment is the seller’s equity. You take over the $284,916 balance, so the rest of the $569,900 price is paid at closing. A second mortgage can cover part of it. $299,155.47 is due at closing. Uses and sources reconcile at $584,071.55 each. Not a Closing Disclosure.