Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$318,286Cash toward the purchase price.
Closing costs + prepaids$15,168Not just lender fees.
Before credits & paid funds$333,454The complete starting cash picture.
Estimated remaining funds due at closing
$333,454No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$318,285.95
Your down payment$318,285.95
Closing costs + prepaids$15,168.12
Total buyer cash needed$333,454.08
Remaining funds due$333,454.08
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%)$5,800.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,308.57
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,630.50
Initial HOA (3 months)$164.01
Prepaid interest, first (28 days)$797.04
Fees + prepaids$15,168.12
Your down payment is the seller’s equity. You take over the $261,714 balance, so the rest of the $580,000 price is paid at closing. A second mortgage can cover part of it. $333,454.08 is due at closing. Uses and sources reconcile at $595,168.12 each. Not a Closing Disclosure.