Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$253,528Cash toward the purchase price.
Closing costs + prepaids$14,066Not just lender fees.
Before credits & paid funds$267,594The complete starting cash picture.
Estimated remaining funds due at closing
$267,594No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$253,528.01
Your down payment$253,528.01
Closing costs + prepaids$14,065.94
Total buyer cash needed$267,593.96
Remaining funds due$267,593.96
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%)$1,727.36
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$23.75
Initial HOA (3 months)$185.01
Prepaid interest, first (26 days)$671.82
Fees + prepaids$14,065.94
Your down payment is the seller’s equity. You take over the $345,472 balance, so the rest of the $599,000 price is paid at closing. A second mortgage can cover part of it. $267,593.96 is due at closing. Uses and sources reconcile at $613,065.94 each. Not a Closing Disclosure.