Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$269,597Cash toward the purchase price.
Closing costs + prepaids$14,479Not just lender fees.
Before credits & paid funds$284,076The complete starting cash picture.
Estimated remaining funds due at closing
$284,076No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$269,597.13
Your down payment$269,597.13
Closing costs + prepaids$14,479.27
Total buyer cash needed$284,076.40
Remaining funds due$284,076.40
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%)$5,850.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,577.01
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$860.75
Initial HOA (3 months)$21.24
Prepaid interest, first (27 days)$702.27
Fees + prepaids$14,479.27
Your down payment is the seller’s equity. You take over the $315,403 balance, so the rest of the $585,000 price is paid at closing. A second mortgage can cover part of it. $284,076.40 is due at closing. Uses and sources reconcile at $599,479.27 each. Not a Closing Disclosure.