Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$368,532Cash toward the purchase price.
Closing costs + prepaids$14,259Not just lender fees.
Before credits & paid funds$382,791The complete starting cash picture.
Estimated remaining funds due at closing
$382,791No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$368,531.56
Your down payment$368,531.56
Closing costs + prepaids$14,259.28
Total buyer cash needed$382,790.84
Remaining funds due$382,790.84
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%)$1,152.34
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,121.50
Initial HOA (3 months)$15.99
Prepaid interest, first (30 days)$511.45
Fees + prepaids$14,259.28
Your down payment is the seller’s equity. You take over the $230,468 balance, so the rest of the $599,000 price is paid at closing. A second mortgage can cover part of it. $382,790.84 is due at closing. Uses and sources reconcile at $613,259.28 each. Not a Closing Disclosure.