Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$291,033Cash toward the purchase price.
Closing costs + prepaids$16,749Not just lender fees.
Before credits & paid funds$307,782The complete starting cash picture.
Estimated remaining funds due at closing
$307,782No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$291,033.11
Your down payment$291,033.11
Closing costs + prepaids$16,748.57
Total buyer cash needed$307,781.68
Remaining funds due$307,781.68
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%)$6,000.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,544.83
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,993.25
Initial HOA (3 months)$987.00
Prepaid interest, first (25 days)$755.49
Fees + prepaids$16,748.57
Your down payment is the seller’s equity. You take over the $308,967 balance, so the rest of the $600,000 price is paid at closing. A second mortgage can cover part of it. $307,781.68 is due at closing. Uses and sources reconcile at $616,748.57 each. Not a Closing Disclosure.