Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$265,006Cash toward the purchase price.
Closing costs + prepaids$15,503Not just lender fees.
Before credits & paid funds$280,509The complete starting cash picture.
Estimated remaining funds due at closing
$280,509No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$265,005.61
Your down payment$265,005.61
Closing costs + prepaids$15,503.47
Total buyer cash needed$280,509.09
Remaining funds due$280,509.09
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%)$5,999.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,674.97
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,409.00
Initial HOA (3 months)$120.00
Prepaid interest, first (30 days)$831.52
Fees + prepaids$15,503.47
Your down payment is the seller’s equity. You take over the $334,993 balance, so the rest of the $599,999 price is paid at closing. A second mortgage can cover part of it. $280,509.09 is due at closing. Uses and sources reconcile at $615,502.47 each. Not a Closing Disclosure.