Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$311,195Cash toward the purchase price.
Closing costs + prepaids$14,544Not just lender fees.
Before credits & paid funds$325,739The complete starting cash picture.
Estimated remaining funds due at closing
$325,739No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$311,195.05
Your down payment$311,195.05
Closing costs + prepaids$14,543.56
Total buyer cash needed$325,738.61
Remaining funds due$325,738.61
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%)$1,439.02
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$890.75
Prepaid interest, first (27 days)$755.78
Fees + prepaids$14,543.56
Your down payment is the seller’s equity. You take over the $287,805 balance, so the rest of the $599,000 price is paid at closing. A second mortgage can cover part of it. $325,738.61 is due at closing. Uses and sources reconcile at $613,543.56 each. Not a Closing Disclosure.