Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$316,709Cash toward the purchase price.
Closing costs + prepaids$14,779Not just lender fees.
Before credits & paid funds$331,487The complete starting cash picture.
Estimated remaining funds due at closing
$331,487No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$316,708.73
Your down payment$316,708.73
Closing costs + prepaids$14,778.59
Total buyer cash needed$331,487.32
Remaining funds due$331,487.32
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%)$5,999.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,415.96
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,016.50
Initial HOA (3 months)$135.00
Prepaid interest, first (23 days)$744.13
Fees + prepaids$14,778.59
Your down payment is the seller’s equity. You take over the $283,191 balance, so the rest of the $599,900 price is paid at closing. A second mortgage can cover part of it. $331,487.32 is due at closing. Uses and sources reconcile at $614,678.59 each. Not a Closing Disclosure.