Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$269,414Cash toward the purchase price.
Closing costs + prepaids$15,359Not just lender fees.
Before credits & paid funds$284,773The complete starting cash picture.
Estimated remaining funds due at closing
$284,773No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$269,414.35
Your down payment$269,414.35
Closing costs + prepaids$15,358.87
Total buyer cash needed$284,773.22
Remaining funds due$284,773.22
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%)$5,995.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,650.43
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,154.75
Initial HOA (3 months)$114.00
Prepaid interest, first (27 days)$976.69
Fees + prepaids$15,358.87
Your down payment is the seller’s equity. You take over the $330,086 balance, so the rest of the $599,500 price is paid at closing. A second mortgage can cover part of it. $284,773.22 is due at closing. Uses and sources reconcile at $614,858.87 each. Not a Closing Disclosure.