Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$315,067Cash toward the purchase price.
Closing costs + prepaids$14,443Not just lender fees.
Before credits & paid funds$329,511The complete starting cash picture.
Estimated remaining funds due at closing
$329,511No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$315,067.44
Your down payment$315,067.44
Closing costs + prepaids$14,443.43
Total buyer cash needed$329,510.88
Remaining funds due$329,510.88
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%)$5,899.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,374.16
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$974.00
Prepaid interest, first (24 days)$728.27
Fees + prepaids$14,443.43
Your down payment is the seller’s equity. You take over the $274,833 balance, so the rest of the $589,900 price is paid at closing. A second mortgage can cover part of it. $329,510.88 is due at closing. Uses and sources reconcile at $604,343.43 each. Not a Closing Disclosure.