Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$343,064Cash toward the purchase price.
Closing costs + prepaids$14,655Not just lender fees.
Before credits & paid funds$357,719The complete starting cash picture.
Estimated remaining funds due at closing
$357,719No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$343,063.98
Your down payment$343,063.98
Closing costs + prepaids$14,655.05
Total buyer cash needed$357,719.03
Remaining funds due$357,719.03
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%)$5,899.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,234.18
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,142.25
Initial HOA (3 months)$135.00
Prepaid interest, first (29 days)$776.62
Fees + prepaids$14,655.05
Your down payment is the seller’s equity. You take over the $246,836 balance, so the rest of the $589,900 price is paid at closing. A second mortgage can cover part of it. $357,719.03 is due at closing. Uses and sources reconcile at $604,555.05 each. Not a Closing Disclosure.