Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$250,227Cash toward the purchase price.
Closing costs + prepaids$16,669Not just lender fees.
Before credits & paid funds$266,896The complete starting cash picture.
Estimated remaining funds due at closing
$266,896No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$250,226.83
Your down payment$250,226.83
Closing costs + prepaids$16,669.22
Total buyer cash needed$266,896.05
Remaining funds due$266,896.05
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%)$1,743.87
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,497.50
Prepaid interest, first (31 days)$1,969.85
Fees + prepaids$16,669.22
Your down payment is the seller’s equity. You take over the $348,773 balance, so the rest of the $599,000 price is paid at closing. A second mortgage can cover part of it. $266,896.05 is due at closing. Uses and sources reconcile at $615,669.22 each. Not a Closing Disclosure.