Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$302,926Cash toward the purchase price.
Closing costs + prepaids$14,091Not just lender fees.
Before credits & paid funds$317,017The complete starting cash picture.
Estimated remaining funds due at closing
$317,017No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$302,926.03
Your down payment$302,926.03
Closing costs + prepaids$14,091.46
Total buyer cash needed$317,017.49
Remaining funds due$317,017.49
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%)$5,950.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,460.37
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$569.25
Prepaid interest, first (27 days)$643.84
Fees + prepaids$14,091.46
Your down payment is the seller’s equity. You take over the $292,074 balance, so the rest of the $595,000 price is paid at closing. A second mortgage can cover part of it. $317,017.49 is due at closing. Uses and sources reconcile at $609,091.46 each. Not a Closing Disclosure.