Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$292,849Cash toward the purchase price.
Closing costs + prepaids$17,008Not just lender fees.
Before credits & paid funds$309,858The complete starting cash picture.
Estimated remaining funds due at closing
$309,858No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$292,849.17
Your down payment$292,849.17
Closing costs + prepaids$17,008.46
Total buyer cash needed$309,857.63
Remaining funds due$309,857.63
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%)$1,535.25
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,662.75
Initial HOA (3 months)$1,604.01
Prepaid interest, first (30 days)$739.45
Fees + prepaids$17,008.46
Your down payment is the seller’s equity. You take over the $307,051 balance, so the rest of the $599,900 price is paid at closing. A second mortgage can cover part of it. $309,857.63 is due at closing. Uses and sources reconcile at $616,908.46 each. Not a Closing Disclosure.