Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$366,008Cash toward the purchase price.
Closing costs + prepaids$13,484Not just lender fees.
Before credits & paid funds$379,492The complete starting cash picture.
Estimated remaining funds due at closing
$379,492No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$366,008.15
Your down payment$366,008.15
Closing costs + prepaids$13,483.76
Total buyer cash needed$379,491.91
Remaining funds due$379,491.91
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%)$1,164.96
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$376.50
Prepaid interest, first (27 days)$484.30
Fees + prepaids$13,483.76
Your down payment is the seller’s equity. You take over the $232,992 balance, so the rest of the $599,000 price is paid at closing. A second mortgage can cover part of it. $379,491.91 is due at closing. Uses and sources reconcile at $612,483.76 each. Not a Closing Disclosure.