Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$284,538Cash toward the purchase price.
Closing costs + prepaids$15,830Not just lender fees.
Before credits & paid funds$300,368The complete starting cash picture.
Estimated remaining funds due at closing
$300,368No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$284,538.36
Your down payment$284,538.36
Closing costs + prepaids$15,830.02
Total buyer cash needed$300,368.38
Remaining funds due$300,368.38
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%)$1,576.81
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$634.75
Initial HOA (3 months)$1,500.00
Prepaid interest, first (26 days)$651.46
Fees + prepaids$15,830.02
Your down payment is the seller’s equity. You take over the $315,362 balance, so the rest of the $599,900 price is paid at closing. A second mortgage can cover part of it. $300,368.38 is due at closing. Uses and sources reconcile at $615,730.02 each. Not a Closing Disclosure.