Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$264,672Cash toward the purchase price.
Closing costs + prepaids$17,119Not just lender fees.
Before credits & paid funds$281,792The complete starting cash picture.
Estimated remaining funds due at closing
$281,792No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$264,672.23
Your down payment$264,672.23
Closing costs + prepaids$17,119.46
Total buyer cash needed$281,791.69
Remaining funds due$281,791.69
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%)$5,999.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,676.14
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,499.75
Initial HOA (3 months)$1,035.00
Prepaid interest, first (24 days)$1,441.57
Fees + prepaids$17,119.46
Your down payment is the seller’s equity. You take over the $335,228 balance, so the rest of the $599,900 price is paid at closing. A second mortgage can cover part of it. $281,791.69 is due at closing. Uses and sources reconcile at $617,019.46 each. Not a Closing Disclosure.