Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$251,956Cash toward the purchase price.
Closing costs + prepaids$14,743Not just lender fees.
Before credits & paid funds$266,699The complete starting cash picture.
Estimated remaining funds due at closing
$266,699No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$251,955.86
Your down payment$251,955.86
Closing costs + prepaids$14,742.70
Total buyer cash needed$266,698.56
Remaining funds due$266,698.56
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%)$1,735.22
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,371.25
Initial HOA (3 months)$144.00
Prepaid interest, first (1 days)$34.23
Fees + prepaids$14,742.70
Your down payment is the seller’s equity. You take over the $347,044 balance, so the rest of the $599,000 price is paid at closing. A second mortgage can cover part of it. $266,698.56 is due at closing. Uses and sources reconcile at $613,742.70 each. Not a Closing Disclosure.