Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$333,874Cash toward the purchase price.
Closing costs + prepaids$14,075Not just lender fees.
Before credits & paid funds$347,949The complete starting cash picture.
Estimated remaining funds due at closing
$347,949No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$333,874.45
Your down payment$333,874.45
Closing costs + prepaids$14,074.66
Total buyer cash needed$347,949.11
Remaining funds due$347,949.11
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%)$6,000.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,330.63
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$549.25
Prepaid interest, first (28 days)$726.78
Fees + prepaids$14,074.66
Your down payment is the seller’s equity. You take over the $266,126 balance, so the rest of the $600,000 price is paid at closing. A second mortgage can cover part of it. $347,949.11 is due at closing. Uses and sources reconcile at $614,074.66 each. Not a Closing Disclosure.