Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$361,511Cash toward the purchase price.
Closing costs + prepaids$14,367Not just lender fees.
Before credits & paid funds$375,878The complete starting cash picture.
Estimated remaining funds due at closing
$375,878No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$361,511.03
Your down payment$361,511.03
Closing costs + prepaids$14,367.33
Total buyer cash needed$375,878.37
Remaining funds due$375,878.37
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%)$1,191.94
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,066.50
Prepaid interest, first (27 days)$641.89
Fees + prepaids$14,367.33
Your down payment is the seller’s equity. You take over the $238,389 balance, so the rest of the $599,900 price is paid at closing. A second mortgage can cover part of it. $375,878.37 is due at closing. Uses and sources reconcile at $614,267.33 each. Not a Closing Disclosure.