Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$255,087Cash toward the purchase price.
Closing costs + prepaids$14,300Not just lender fees.
Before credits & paid funds$269,386The complete starting cash picture.
Estimated remaining funds due at closing
$269,386No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$255,086.60
Your down payment$255,086.60
Closing costs + prepaids$14,299.80
Total buyer cash needed$269,386.40
Remaining funds due$269,386.40
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%)$5,900.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,674.57
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$663.75
Prepaid interest, first (22 days)$593.48
Fees + prepaids$14,299.80
Your down payment is the seller’s equity. You take over the $334,913 balance, so the rest of the $590,000 price is paid at closing. A second mortgage can cover part of it. $269,386.40 is due at closing. Uses and sources reconcile at $604,299.80 each. Not a Closing Disclosure.