Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$258,355Cash toward the purchase price.
Closing costs + prepaids$14,227Not just lender fees.
Before credits & paid funds$272,581The complete starting cash picture.
Estimated remaining funds due at closing
$272,581No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$258,354.52
Your down payment$258,354.52
Closing costs + prepaids$14,226.74
Total buyer cash needed$272,581.27
Remaining funds due$272,581.27
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%)$6,000.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,708.23
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$270.50
Initial HOA (3 months)$47.49
Prepaid interest, first (26 days)$732.53
Fees + prepaids$14,226.74
Your down payment is the seller’s equity. You take over the $341,645 balance, so the rest of the $600,000 price is paid at closing. A second mortgage can cover part of it. $272,581.27 is due at closing. Uses and sources reconcile at $614,226.74 each. Not a Closing Disclosure.