Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$241,897Cash toward the purchase price.
Closing costs + prepaids$15,624Not just lender fees.
Before credits & paid funds$257,520The complete starting cash picture.
Estimated remaining funds due at closing
$257,520No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$241,896.55
Your down payment$241,896.55
Closing costs + prepaids$15,623.55
Total buyer cash needed$257,520.10
Remaining funds due$257,520.10
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%)$1,785.52
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,547.75
Initial HOA (3 months)$35.01
Prepaid interest, first (29 days)$797.27
Fees + prepaids$15,623.55
Your down payment is the seller’s equity. You take over the $357,103 balance, so the rest of the $599,000 price is paid at closing. A second mortgage can cover part of it. $257,520.10 is due at closing. Uses and sources reconcile at $614,623.55 each. Not a Closing Disclosure.