Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$334,188Cash toward the purchase price.
Closing costs + prepaids$13,980Not just lender fees.
Before credits & paid funds$348,168The complete starting cash picture.
Estimated remaining funds due at closing
$348,168No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$334,187.98
Your down payment$334,187.98
Closing costs + prepaids$13,979.56
Total buyer cash needed$348,167.55
Remaining funds due$348,167.55
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%)$6,000.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,329.06
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$659.50
Initial HOA (3 months)$87.51
Prepaid interest, first (23 days)$435.49
Fees + prepaids$13,979.56
Your down payment is the seller’s equity. You take over the $265,812 balance, so the rest of the $600,000 price is paid at closing. A second mortgage can cover part of it. $348,167.55 is due at closing. Uses and sources reconcile at $613,979.56 each. Not a Closing Disclosure.