Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$303,274Cash toward the purchase price.
Closing costs + prepaids$14,383Not just lender fees.
Before credits & paid funds$317,657The complete starting cash picture.
Estimated remaining funds due at closing
$317,657No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$303,274.12
Your down payment$303,274.12
Closing costs + prepaids$14,382.85
Total buyer cash needed$317,656.97
Remaining funds due$317,656.97
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%)$5,990.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,478.63
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$972.25
Prepaid interest, first (26 days)$473.97
Fees + prepaids$14,382.85
Your down payment is the seller’s equity. You take over the $295,726 balance, so the rest of the $599,000 price is paid at closing. A second mortgage can cover part of it. $317,656.97 is due at closing. Uses and sources reconcile at $613,382.85 each. Not a Closing Disclosure.