Follow the dollars · Assumption only
A complete cash picture for Dec 12, 2026
Your down payment$284,129Cash toward the purchase price.
Closing costs + prepaids$14,405Not just lender fees.
Before credits & paid funds$298,534The complete starting cash picture.
Estimated remaining funds due at closing
$298,534No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$284,129.10
Your down payment$284,129.10
Closing costs + prepaids$14,404.86
Total buyer cash needed$298,533.96
Remaining funds due$298,533.96
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%)$5,999.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,578.85
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$620.25
Initial HOA (3 months)$192.00
Prepaid interest, first (20 days)$546.76
Fees + prepaids$14,404.86
Your down payment is the seller’s equity. You take over the $315,771 balance, so the rest of the $599,900 price is paid at closing. A second mortgage can cover part of it. $298,533.96 is due at closing. Uses and sources reconcile at $614,304.86 each. Not a Closing Disclosure.