Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$306,986Cash toward the purchase price.
Closing costs + prepaids$15,143Not just lender fees.
Before credits & paid funds$322,129The complete starting cash picture.
Estimated remaining funds due at closing
$322,129No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$306,985.66
Your down payment$306,985.66
Closing costs + prepaids$15,143.20
Total buyer cash needed$322,128.86
Remaining funds due$322,128.86
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%)$1,460.07
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)$78.00
Prepaid interest, first (29 days)$649.63
Fees + prepaids$15,143.20
Your down payment is the seller’s equity. You take over the $292,014 balance, so the rest of the $599,000 price is paid at closing. A second mortgage can cover part of it. $322,128.86 is due at closing. Uses and sources reconcile at $614,143.20 each. Not a Closing Disclosure.