Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$272,845Cash toward the purchase price.
Closing costs + prepaids$16,245Not just lender fees.
Before credits & paid funds$289,090The complete starting cash picture.
Estimated remaining funds due at closing
$289,090No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$272,845.01
Your down payment$272,845.01
Closing costs + prepaids$16,244.58
Total buyer cash needed$289,089.59
Remaining funds due$289,089.59
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%)$1,630.77
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,497.50
Initial HOA (3 months)$990.00
Prepaid interest, first (27 days)$668.30
Fees + prepaids$16,244.58
Your down payment is the seller’s equity. You take over the $326,155 balance, so the rest of the $599,000 price is paid at closing. A second mortgage can cover part of it. $289,089.59 is due at closing. Uses and sources reconcile at $615,244.58 each. Not a Closing Disclosure.