Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$258,560Cash toward the purchase price.
Closing costs + prepaids$14,818Not just lender fees.
Before credits & paid funds$273,378The complete starting cash picture.
Estimated remaining funds due at closing
$273,378No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$258,559.79
Your down payment$258,559.79
Closing costs + prepaids$14,817.91
Total buyer cash needed$273,377.71
Remaining funds due$273,377.71
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%)$5,999.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,707.20
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$954.00
Prepaid interest, first (31 days)$688.72
Fees + prepaids$14,817.91
Your down payment is the seller’s equity. You take over the $341,439 balance, so the rest of the $599,999 price is paid at closing. A second mortgage can cover part of it. $273,377.71 is due at closing. Uses and sources reconcile at $614,816.91 each. Not a Closing Disclosure.