Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$266,215Cash toward the purchase price.
Closing costs + prepaids$16,515Not just lender fees.
Before credits & paid funds$282,730The complete starting cash picture.
Estimated remaining funds due at closing
$282,730No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$266,214.88
Your down payment$266,214.88
Closing costs + prepaids$16,515.31
Total buyer cash needed$282,730.19
Remaining funds due$282,730.19
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%)$5,999.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,668.92
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$2,510.00
Initial HOA (3 months)$273.99
Prepaid interest, first (26 days)$594.41
Fees + prepaids$16,515.31
Your down payment is the seller’s equity. You take over the $333,784 balance, so the rest of the $599,999 price is paid at closing. A second mortgage can cover part of it. $282,730.19 is due at closing. Uses and sources reconcile at $616,514.31 each. Not a Closing Disclosure.