Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$314,046Cash toward the purchase price.
Closing costs + prepaids$14,105Not just lender fees.
Before credits & paid funds$328,151The complete starting cash picture.
Estimated remaining funds due at closing
$328,151No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$314,046.30
Your down payment$314,046.30
Closing costs + prepaids$14,105.02
Total buyer cash needed$328,151.32
Remaining funds due$328,151.32
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%)$5,998.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,428.77
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$507.25
Initial HOA (3 months)$90.00
Prepaid interest, first (27 days)$613.00
Fees + prepaids$14,105.02
Your down payment is the seller’s equity. You take over the $285,754 balance, so the rest of the $599,800 price is paid at closing. A second mortgage can cover part of it. $328,151.32 is due at closing. Uses and sources reconcile at $613,905.02 each. Not a Closing Disclosure.