Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$316,256Cash toward the purchase price.
Closing costs + prepaids$15,175Not just lender fees.
Before credits & paid funds$331,430The complete starting cash picture.
Estimated remaining funds due at closing
$331,430No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$316,255.51
Your down payment$316,255.51
Closing costs + prepaids$15,174.78
Total buyer cash needed$331,430.29
Remaining funds due$331,430.29
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%)$5,799.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,318.72
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,450.00
Prepaid interest, first (25 days)$1,138.07
Fees + prepaids$15,174.78
Your down payment is the seller’s equity. You take over the $263,743 balance, so the rest of the $579,999 price is paid at closing. A second mortgage can cover part of it. $331,430.29 is due at closing. Uses and sources reconcile at $595,173.78 each. Not a Closing Disclosure.