Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$283,238Cash toward the purchase price.
Closing costs + prepaids$15,696Not just lender fees.
Before credits & paid funds$298,933The complete starting cash picture.
Estimated remaining funds due at closing
$298,933No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$283,237.60
Your down payment$283,237.60
Closing costs + prepaids$15,695.54
Total buyer cash needed$298,933.14
Remaining funds due$298,933.14
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%)$1,578.81
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,497.50
Prepaid interest, first (31 days)$1,161.23
Fees + prepaids$15,695.54
Your down payment is the seller’s equity. You take over the $315,762 balance, so the rest of the $599,000 price is paid at closing. A second mortgage can cover part of it. $298,933.14 is due at closing. Uses and sources reconcile at $614,695.54 each. Not a Closing Disclosure.