Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$377,579Cash toward the purchase price.
Closing costs + prepaids$13,290Not just lender fees.
Before credits & paid funds$390,869The complete starting cash picture.
Estimated remaining funds due at closing
$390,869No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$377,579.25
Your down payment$377,579.25
Closing costs + prepaids$13,290.06
Total buyer cash needed$390,869.31
Remaining funds due$390,869.31
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%)$5,999.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,111.60
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$123.25
Prepaid interest, first (29 days)$588.21
Fees + prepaids$13,290.06
Your down payment is the seller’s equity. You take over the $222,321 balance, so the rest of the $599,900 price is paid at closing. A second mortgage can cover part of it. $390,869.31 is due at closing. Uses and sources reconcile at $613,190.06 each. Not a Closing Disclosure.