Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$276,974Cash toward the purchase price.
Closing costs + prepaids$16,221Not just lender fees.
Before credits & paid funds$293,195The complete starting cash picture.
Estimated remaining funds due at closing
$293,195No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$276,974.20
Your down payment$276,974.20
Closing costs + prepaids$16,220.68
Total buyer cash needed$293,194.87
Remaining funds due$293,194.87
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%)$1,610.13
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,497.50
Initial HOA (3 months)$969.00
Prepaid interest, first (27 days)$686.05
Fees + prepaids$16,220.68
Your down payment is the seller’s equity. You take over the $322,026 balance, so the rest of the $599,000 price is paid at closing. A second mortgage can cover part of it. $293,194.87 is due at closing. Uses and sources reconcile at $615,220.68 each. Not a Closing Disclosure.