Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$306,873Cash toward the purchase price.
Closing costs + prepaids$13,937Not just lender fees.
Before credits & paid funds$320,809The complete starting cash picture.
Estimated remaining funds due at closing
$320,809No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$306,872.53
Your down payment$306,872.53
Closing costs + prepaids$13,936.62
Total buyer cash needed$320,809.15
Remaining funds due$320,809.15
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%)$1,460.64
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$270.25
Initial HOA (3 months)$31.26
Prepaid interest, first (24 days)$716.47
Fees + prepaids$13,936.62
Your down payment is the seller’s equity. You take over the $292,127 balance, so the rest of the $599,000 price is paid at closing. A second mortgage can cover part of it. $320,809.15 is due at closing. Uses and sources reconcile at $612,936.62 each. Not a Closing Disclosure.