Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$357,674Cash toward the purchase price.
Closing costs + prepaids$14,015Not just lender fees.
Before credits & paid funds$371,689The complete starting cash picture.
Estimated remaining funds due at closing
$371,689No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$357,673.55
Your down payment$357,673.55
Closing costs + prepaids$14,015.04
Total buyer cash needed$371,688.59
Remaining funds due$371,688.59
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%)$1,211.13
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$725.75
Initial HOA (3 months)$135.00
Prepaid interest, first (25 days)$476.16
Fees + prepaids$14,015.04
Your down payment is the seller’s equity. You take over the $242,226 balance, so the rest of the $599,900 price is paid at closing. A second mortgage can cover part of it. $371,688.59 is due at closing. Uses and sources reconcile at $613,915.04 each. Not a Closing Disclosure.