Follow the dollars · Assumption only
A complete cash picture for Dec 12, 2026
Your down payment$320,706Cash toward the purchase price.
Closing costs + prepaids$14,943Not just lender fees.
Before credits & paid funds$335,649The complete starting cash picture.
Estimated remaining funds due at closing
$335,649No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$320,705.98
Your down payment$320,705.98
Closing costs + prepaids$14,942.96
Total buyer cash needed$335,648.94
Remaining funds due$335,648.94
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%)$5,990.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,391.47
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$513.75
Initial HOA (3 months)$494.01
Prepaid interest, first (20 days)$1,085.73
Fees + prepaids$14,942.96
Your down payment is the seller’s equity. You take over the $278,294 balance, so the rest of the $599,000 price is paid at closing. A second mortgage can cover part of it. $335,648.94 is due at closing. Uses and sources reconcile at $613,942.96 each. Not a Closing Disclosure.