Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$289,902Cash toward the purchase price.
Closing costs + prepaids$14,550Not just lender fees.
Before credits & paid funds$304,452The complete starting cash picture.
Estimated remaining funds due at closing
$304,452No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$289,902.12
Your down payment$289,902.12
Closing costs + prepaids$14,550.21
Total buyer cash needed$304,452.33
Remaining funds due$304,452.33
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%)$5,900.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,500.49
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$904.75
Prepaid interest, first (25 days)$776.97
Fees + prepaids$14,550.21
Your down payment is the seller’s equity. You take over the $300,098 balance, so the rest of the $590,000 price is paid at closing. A second mortgage can cover part of it. $304,452.33 is due at closing. Uses and sources reconcile at $604,550.21 each. Not a Closing Disclosure.