Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$314,046Cash toward the purchase price.
Closing costs + prepaids$13,841Not just lender fees.
Before credits & paid funds$327,887The complete starting cash picture.
Estimated remaining funds due at closing
$327,887No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$314,046.30
Your down payment$314,046.30
Closing costs + prepaids$13,840.74
Total buyer cash needed$327,887.04
Remaining funds due$327,887.04
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%)$5,998.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,428.77
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$719.75
Initial HOA (3 months)$90.00
Prepaid interest, first (6 days)$136.22
Fees + prepaids$13,840.74
Your down payment is the seller’s equity. You take over the $285,754 balance, so the rest of the $599,800 price is paid at closing. A second mortgage can cover part of it. $327,887.04 is due at closing. Uses and sources reconcile at $613,640.74 each. Not a Closing Disclosure.