Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$341,570Cash toward the purchase price.
Closing costs + prepaids$14,003Not just lender fees.
Before credits & paid funds$355,573The complete starting cash picture.
Estimated remaining funds due at closing
$355,573No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$341,569.91
Your down payment$341,569.91
Closing costs + prepaids$14,003.37
Total buyer cash needed$355,573.27
Remaining funds due$355,573.27
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%)$1,287.15
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$449.25
Prepaid interest, first (31 days)$808.97
Fees + prepaids$14,003.37
Your down payment is the seller’s equity. You take over the $257,430 balance, so the rest of the $599,000 price is paid at closing. A second mortgage can cover part of it. $355,573.27 is due at closing. Uses and sources reconcile at $613,003.37 each. Not a Closing Disclosure.