Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$251,117Cash toward the purchase price.
Closing costs + prepaids$14,813Not just lender fees.
Before credits & paid funds$265,930The complete starting cash picture.
Estimated remaining funds due at closing
$265,930No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$251,116.59
Your down payment$251,116.59
Closing costs + prepaids$14,813.40
Total buyer cash needed$265,929.98
Remaining funds due$265,929.98
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%)$1,743.92
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$685.50
Initial HOA (3 months)$31.26
Prepaid interest, first (31 days)$885.72
Fees + prepaids$14,813.40
Your down payment is the seller’s equity. You take over the $348,783 balance, so the rest of the $599,900 price is paid at closing. A second mortgage can cover part of it. $265,929.98 is due at closing. Uses and sources reconcile at $614,713.40 each. Not a Closing Disclosure.