Follow the dollars · Assumption only
A complete cash picture for Dec 13, 2026
Your down payment$226,348Cash toward the purchase price.
Closing costs + prepaids$14,261Not just lender fees.
Before credits & paid funds$240,609The complete starting cash picture.
Estimated remaining funds due at closing
$240,609No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$226,347.91
Your down payment$226,347.91
Closing costs + prepaids$14,261.45
Total buyer cash needed$240,609.37
Remaining funds due$240,609.37
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%)$5,590.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,663.26
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$993.00
Prepaid interest, first (19 days)$547.19
Fees + prepaids$14,261.45
Your down payment is the seller’s equity. You take over the $332,652 balance, so the rest of the $559,000 price is paid at closing. A second mortgage can cover part of it. $240,609.37 is due at closing. Uses and sources reconcile at $573,261.45 each. Not a Closing Disclosure.