Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$260,565Cash toward the purchase price.
Closing costs + prepaids$14,126Not just lender fees.
Before credits & paid funds$274,691The complete starting cash picture.
Estimated remaining funds due at closing
$274,691No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$260,565.02
Your down payment$260,565.02
Closing costs + prepaids$14,125.91
Total buyer cash needed$274,690.93
Remaining funds due$274,690.93
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%)$5,940.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,667.17
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$993.00
Prepaid interest, first (2 days)$57.73
Fees + prepaids$14,125.91
Your down payment is the seller’s equity. You take over the $333,435 balance, so the rest of the $594,000 price is paid at closing. A second mortgage can cover part of it. $274,690.93 is due at closing. Uses and sources reconcile at $608,125.91 each. Not a Closing Disclosure.