Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$326,853Cash toward the purchase price.
Closing costs + prepaids$14,592Not just lender fees.
Before credits & paid funds$341,445The complete starting cash picture.
Estimated remaining funds due at closing
$341,445No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$326,852.93
Your down payment$326,852.93
Closing costs + prepaids$14,592.22
Total buyer cash needed$341,445.15
Remaining funds due$341,445.15
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%)$1,365.24
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,200.50
Prepaid interest, first (27 days)$559.48
Fees + prepaids$14,592.22
Your down payment is the seller’s equity. You take over the $273,047 balance, so the rest of the $599,900 price is paid at closing. A second mortgage can cover part of it. $341,445.15 is due at closing. Uses and sources reconcile at $614,492.22 each. Not a Closing Disclosure.