Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$281,367Cash toward the purchase price.
Closing costs + prepaids$14,515Not just lender fees.
Before credits & paid funds$295,882The complete starting cash picture.
Estimated remaining funds due at closing
$295,882No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$281,367.06
Your down payment$281,367.06
Closing costs + prepaids$14,515.43
Total buyer cash needed$295,882.49
Remaining funds due$295,882.49
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%)$1,592.66
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$563.00
Prepaid interest, first (31 days)$892.76
Fees + prepaids$14,515.43
Your down payment is the seller’s equity. You take over the $318,533 balance, so the rest of the $599,900 price is paid at closing. A second mortgage can cover part of it. $295,882.49 is due at closing. Uses and sources reconcile at $614,415.43 each. Not a Closing Disclosure.