Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$313,957Cash toward the purchase price.
Closing costs + prepaids$14,228Not just lender fees.
Before credits & paid funds$328,185The complete starting cash picture.
Estimated remaining funds due at closing
$328,185No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$313,957.28
Your down payment$313,957.28
Closing costs + prepaids$14,227.84
Total buyer cash needed$328,185.12
Remaining funds due$328,185.12
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%)$6,035.50
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,447.96
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$533.75
Prepaid interest, first (26 days)$742.63
Fees + prepaids$14,227.84
Your down payment is the seller’s equity. You take over the $289,593 balance, so the rest of the $603,550 price is paid at closing. A second mortgage can cover part of it. $328,185.12 is due at closing. Uses and sources reconcile at $617,777.84 each. Not a Closing Disclosure.