Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$330,196Cash toward the purchase price.
Closing costs + prepaids$13,882Not just lender fees.
Before credits & paid funds$344,078The complete starting cash picture.
Estimated remaining funds due at closing
$344,078No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$330,195.80
Your down payment$330,195.80
Closing costs + prepaids$13,882.42
Total buyer cash needed$344,078.21
Remaining funds due$344,078.21
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%)$6,000.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,349.02
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$535.25
Prepaid interest, first (22 days)$530.15
Fees + prepaids$13,882.42
Your down payment is the seller’s equity. You take over the $269,804 balance, so the rest of the $600,000 price is paid at closing. A second mortgage can cover part of it. $344,078.21 is due at closing. Uses and sources reconcile at $613,882.42 each. Not a Closing Disclosure.