Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$316,807Cash toward the purchase price.
Closing costs + prepaids$15,123Not just lender fees.
Before credits & paid funds$331,931The complete starting cash picture.
Estimated remaining funds due at closing
$331,931No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$316,807.16
Your down payment$316,807.16
Closing costs + prepaids$15,123.38
Total buyer cash needed$331,930.54
Remaining funds due$331,930.54
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%)$5,899.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,365.96
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,475.00
Initial HOA (3 months)$231.00
Prepaid interest, first (23 days)$683.43
Fees + prepaids$15,123.38
Your down payment is the seller’s equity. You take over the $273,192 balance, so the rest of the $589,999 price is paid at closing. A second mortgage can cover part of it. $331,930.54 is due at closing. Uses and sources reconcile at $605,122.38 each. Not a Closing Disclosure.