Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$310,210Cash toward the purchase price.
Closing costs + prepaids$13,942Not just lender fees.
Before credits & paid funds$324,152The complete starting cash picture.
Estimated remaining funds due at closing
$324,152No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$310,210.50
Your down payment$310,210.50
Closing costs + prepaids$13,941.72
Total buyer cash needed$324,152.22
Remaining funds due$324,152.22
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%)$5,999.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,448.94
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$98.25
Initial HOA (3 months)$363.00
Prepaid interest, first (26 days)$563.54
Fees + prepaids$13,941.72
Your down payment is the seller’s equity. You take over the $289,789 balance, so the rest of the $599,999 price is paid at closing. A second mortgage can cover part of it. $324,152.22 is due at closing. Uses and sources reconcile at $613,940.72 each. Not a Closing Disclosure.