Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$317,461Cash toward the purchase price.
Closing costs + prepaids$14,906Not just lender fees.
Before credits & paid funds$332,366The complete starting cash picture.
Estimated remaining funds due at closing
$332,366No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$317,460.64
Your down payment$317,460.64
Closing costs + prepaids$14,905.60
Total buyer cash needed$332,366.24
Remaining funds due$332,366.24
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%)$1,407.70
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,497.50
Prepaid interest, first (24 days)$542.41
Fees + prepaids$14,905.60
Your down payment is the seller’s equity. You take over the $281,539 balance, so the rest of the $599,000 price is paid at closing. A second mortgage can cover part of it. $332,366.24 is due at closing. Uses and sources reconcile at $613,905.60 each. Not a Closing Disclosure.