Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$260,798Cash toward the purchase price.
Closing costs + prepaids$14,565Not just lender fees.
Before credits & paid funds$275,363The complete starting cash picture.
Estimated remaining funds due at closing
$275,363No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$260,797.71
Your down payment$260,797.71
Closing costs + prepaids$14,564.87
Total buyer cash needed$275,362.58
Remaining funds due$275,362.58
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%)$1,691.01
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$486.00
Initial HOA (3 months)$31.26
Prepaid interest, first (26 days)$898.60
Fees + prepaids$14,564.87
Your down payment is the seller’s equity. You take over the $338,202 balance, so the rest of the $599,000 price is paid at closing. A second mortgage can cover part of it. $275,362.58 is due at closing. Uses and sources reconcile at $613,564.87 each. Not a Closing Disclosure.