Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$335,289Cash toward the purchase price.
Closing costs + prepaids$13,404Not just lender fees.
Before credits & paid funds$348,693The complete starting cash picture.
Estimated remaining funds due at closing
$348,693No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$335,289.16
Your down payment$335,289.16
Closing costs + prepaids$13,403.71
Total buyer cash needed$348,692.86
Remaining funds due$348,692.86
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%)$1,323.55
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$542.25
Initial HOA (3 months)$44.01
Prepaid interest, first (1 days)$25.89
Fees + prepaids$13,403.71
Your down payment is the seller’s equity. You take over the $264,711 balance, so the rest of the $600,000 price is paid at closing. A second mortgage can cover part of it. $348,692.86 is due at closing. Uses and sources reconcile at $613,403.71 each. Not a Closing Disclosure.