Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$238,164Cash toward the purchase price.
Closing costs + prepaids$13,945Not just lender fees.
Before credits & paid funds$252,109The complete starting cash picture.
Estimated remaining funds due at closing
$252,109No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$238,164.33
Your down payment$238,164.33
Closing costs + prepaids$13,945.13
Total buyer cash needed$252,109.46
Remaining funds due$252,109.46
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%)$1,634.18
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 (2 days)$70.20
Fees + prepaids$13,945.13
Your down payment is the seller’s equity. You take over the $326,836 balance, so the rest of the $565,000 price is paid at closing. A second mortgage can cover part of it. $252,109.46 is due at closing. Uses and sources reconcile at $578,945.13 each. Not a Closing Disclosure.