Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$253,088Cash toward the purchase price.
Closing costs + prepaids$15,184Not just lender fees.
Before credits & paid funds$268,272The complete starting cash picture.
Estimated remaining funds due at closing
$268,272No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$253,087.54
Your down payment$253,087.54
Closing costs + prepaids$15,184.48
Total buyer cash needed$268,272.01
Remaining funds due$268,272.01
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%)$1,729.56
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,098.75
Initial HOA (3 months)$54.99
Prepaid interest, first (31 days)$843.17
Fees + prepaids$15,184.48
Your down payment is the seller’s equity. You take over the $345,912 balance, so the rest of the $599,000 price is paid at closing. A second mortgage can cover part of it. $268,272.01 is due at closing. Uses and sources reconcile at $614,184.48 each. Not a Closing Disclosure.