Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$320,888Cash toward the purchase price.
Closing costs + prepaids$14,261Not just lender fees.
Before credits & paid funds$335,148The complete starting cash picture.
Estimated remaining funds due at closing
$335,148No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$320,887.75
Your down payment$320,887.75
Closing costs + prepaids$14,260.59
Total buyer cash needed$335,148.35
Remaining funds due$335,148.35
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%)$1,395.56
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$467.75
Initial HOA (3 months)$60.00
Prepaid interest, first (29 days)$869.30
Fees + prepaids$14,260.59
Your down payment is the seller’s equity. You take over the $279,111 balance, so the rest of the $599,999 price is paid at closing. A second mortgage can cover part of it. $335,148.35 is due at closing. Uses and sources reconcile at $614,259.59 each. Not a Closing Disclosure.