Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$261,324Cash toward the purchase price.
Closing costs + prepaids$14,633Not just lender fees.
Before credits & paid funds$275,957The complete starting cash picture.
Estimated remaining funds due at closing
$275,957No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$261,324.02
Your down payment$261,324.02
Closing costs + prepaids$14,632.96
Total buyer cash needed$275,956.97
Remaining funds due$275,956.97
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%)$1,693.37
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$709.25
Prepaid interest, first (26 days)$762.34
Fees + prepaids$14,632.96
Your down payment is the seller’s equity. You take over the $338,675 balance, so the rest of the $599,999 price is paid at closing. A second mortgage can cover part of it. $275,956.97 is due at closing. Uses and sources reconcile at $614,631.96 each. Not a Closing Disclosure.