Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$330,638Cash toward the purchase price.
Closing costs + prepaids$15,409Not just lender fees.
Before credits & paid funds$346,048The complete starting cash picture.
Estimated remaining funds due at closing
$346,048No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$330,638.43
Your down payment$330,638.43
Closing costs + prepaids$15,409.22
Total buyer cash needed$346,047.65
Remaining funds due$346,047.65
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%)$1,341.81
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$2,492.00
Initial HOA (3 months)$58.74
Prepaid interest, first (2 days)$58.67
Fees + prepaids$15,409.22
Your down payment is the seller’s equity. You take over the $268,362 balance, so the rest of the $599,000 price is paid at closing. A second mortgage can cover part of it. $346,047.65 is due at closing. Uses and sources reconcile at $614,409.22 each. Not a Closing Disclosure.