Follow the dollars · Assumption only
A complete cash picture for Dec 13, 2026
Your down payment$306,978Cash toward the purchase price.
Closing costs + prepaids$13,262Not just lender fees.
Before credits & paid funds$320,241The complete starting cash picture.
Estimated remaining funds due at closing
$320,241No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$306,978.37
Your down payment$306,978.37
Closing costs + prepaids$13,262.34
Total buyer cash needed$320,240.71
Remaining funds due$320,240.71
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%)$5,600.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,265.11
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$426.25
Initial HOA (3 months)$150.00
Prepaid interest, first (19 days)$352.98
Fees + prepaids$13,262.34
Your down payment is the seller’s equity. You take over the $253,022 balance, so the rest of the $560,000 price is paid at closing. A second mortgage can cover part of it. $320,240.71 is due at closing. Uses and sources reconcile at $573,262.34 each. Not a Closing Disclosure.