Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$313,861Cash toward the purchase price.
Closing costs + prepaids$14,462Not just lender fees.
Before credits & paid funds$328,323The complete starting cash picture.
Estimated remaining funds due at closing
$328,323No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$313,860.74
Your down payment$313,860.74
Closing costs + prepaids$14,462.34
Total buyer cash needed$328,323.08
Remaining funds due$328,323.08
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%)$5,870.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,365.70
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$484.50
Initial HOA (3 months)$219.00
Prepaid interest, first (30 days)$1,055.14
Fees + prepaids$14,462.34
Your down payment is the seller’s equity. You take over the $273,139 balance, so the rest of the $587,000 price is paid at closing. A second mortgage can cover part of it. $328,323.08 is due at closing. Uses and sources reconcile at $601,462.34 each. Not a Closing Disclosure.