Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$315,738Cash toward the purchase price.
Closing costs + prepaids$14,181Not just lender fees.
Before credits & paid funds$329,919The complete starting cash picture.
Estimated remaining funds due at closing
$329,919No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$315,737.68
Your down payment$315,737.68
Closing costs + prepaids$14,181.00
Total buyer cash needed$329,918.69
Remaining funds due$329,918.69
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%)$1,346.31
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$373.25
Prepaid interest, first (25 days)$1,143.44
Fees + prepaids$14,181.00
Your down payment is the seller’s equity. You take over the $269,262 balance, so the rest of the $585,000 price is paid at closing. A second mortgage can cover part of it. $329,918.69 is due at closing. Uses and sources reconcile at $599,181.00 each. Not a Closing Disclosure.