Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$286,384Cash toward the purchase price.
Closing costs + prepaids$15,219Not just lender fees.
Before credits & paid funds$301,604The complete starting cash picture.
Estimated remaining funds due at closing
$301,604No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$286,384.46
Your down payment$286,384.46
Closing costs + prepaids$15,219.31
Total buyer cash needed$301,603.78
Remaining funds due$301,603.78
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%)$5,850.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,493.08
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$919.25
Prepaid interest, first (28 days)$1,488.99
Fees + prepaids$15,219.31
Your down payment is the seller’s equity. You take over the $298,616 balance, so the rest of the $585,000 price is paid at closing. A second mortgage can cover part of it. $301,603.78 is due at closing. Uses and sources reconcile at $600,219.31 each. Not a Closing Disclosure.