Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$294,708Cash toward the purchase price.
Closing costs + prepaids$15,051Not just lender fees.
Before credits & paid funds$309,759The complete starting cash picture.
Estimated remaining funds due at closing
$309,759No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$294,708.22
Your down payment$294,708.22
Closing costs + prepaids$15,051.15
Total buyer cash needed$309,759.36
Remaining funds due$309,759.36
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%)$1,525.96
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,256.50
Initial HOA (3 months)$47.49
Prepaid interest, first (22 days)$754.20
Fees + prepaids$15,051.15
Your down payment is the seller’s equity. You take over the $305,192 balance, so the rest of the $599,900 price is paid at closing. A second mortgage can cover part of it. $309,759.36 is due at closing. Uses and sources reconcile at $614,951.15 each. Not a Closing Disclosure.