Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$395,490Cash toward the purchase price.
Closing costs + prepaids$14,994Not just lender fees.
Before credits & paid funds$410,484The complete starting cash picture.
Estimated remaining funds due at closing
$410,484No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$395,490.41
Your down payment$395,490.41
Closing costs + prepaids$14,994.00
Total buyer cash needed$410,484.40
Remaining funds due$410,484.40
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%)$5,999.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,022.05
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,676.50
Initial HOA (3 months)$43.74
Prepaid interest, first (31 days)$784.71
Fees + prepaids$14,994.00
Your down payment is the seller’s equity. You take over the $204,410 balance, so the rest of the $599,900 price is paid at closing. A second mortgage can cover part of it. $410,484.40 is due at closing. Uses and sources reconcile at $614,894.00 each. Not a Closing Disclosure.