Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$373,020Cash toward the purchase price.
Closing costs + prepaids$12,994Not just lender fees.
Before credits & paid funds$386,013The complete starting cash picture.
Estimated remaining funds due at closing
$386,013No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$373,019.75
Your down payment$373,019.75
Closing costs + prepaids$12,993.55
Total buyer cash needed$386,013.31
Remaining funds due$386,013.31
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%)$5,990.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,129.90
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Prepaid interest, first (24 days)$405.65
Fees + prepaids$12,993.55
Your down payment is the seller’s equity. You take over the $225,980 balance, so the rest of the $599,000 price is paid at closing. A second mortgage can cover part of it. $386,013.31 is due at closing. Uses and sources reconcile at $611,993.55 each. Not a Closing Disclosure.