Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$254,127Cash toward the purchase price.
Closing costs + prepaids$15,455Not just lender fees.
Before credits & paid funds$269,582The complete starting cash picture.
Estimated remaining funds due at closing
$269,582No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$254,127.25
Your down payment$254,127.25
Closing costs + prepaids$15,455.02
Total buyer cash needed$269,582.27
Remaining funds due$269,582.27
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%)$1,724.36
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,497.50
Prepaid interest, first (28 days)$775.16
Fees + prepaids$15,455.02
Your down payment is the seller’s equity. You take over the $344,873 balance, so the rest of the $599,000 price is paid at closing. A second mortgage can cover part of it. $269,582.27 is due at closing. Uses and sources reconcile at $614,455.02 each. Not a Closing Disclosure.