Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$389,766Cash toward the purchase price.
Closing costs + prepaids$14,658Not just lender fees.
Before credits & paid funds$404,425The complete starting cash picture.
Estimated remaining funds due at closing
$404,425No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$389,766.37
Your down payment$389,766.37
Closing costs + prepaids$14,658.20
Total buyer cash needed$404,424.58
Remaining funds due$404,424.58
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%)$1,050.67
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,573.00
Prepaid interest, first (31 days)$567.53
Fees + prepaids$14,658.20
Your down payment is the seller’s equity. You take over the $210,134 balance, so the rest of the $599,900 price is paid at closing. A second mortgage can cover part of it. $404,424.58 is due at closing. Uses and sources reconcile at $614,558.20 each. Not a Closing Disclosure.