Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$332,768Cash toward the purchase price.
Closing costs + prepaids$15,116Not just lender fees.
Before credits & paid funds$347,884The complete starting cash picture.
Estimated remaining funds due at closing
$347,884No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$332,768.05
Your down payment$332,768.05
Closing costs + prepaids$15,115.92
Total buyer cash needed$347,883.97
Remaining funds due$347,883.97
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%)$5,999.98
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,336.15
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,500.00
Prepaid interest, first (28 days)$811.79
Fees + prepaids$15,115.92
Your down payment is the seller’s equity. You take over the $267,230 balance, so the rest of the $599,998 price is paid at closing. A second mortgage can cover part of it. $347,883.97 is due at closing. Uses and sources reconcile at $615,113.92 each. Not a Closing Disclosure.