Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$266,655Cash toward the purchase price.
Closing costs + prepaids$15,910Not just lender fees.
Before credits & paid funds$282,565The complete starting cash picture.
Estimated remaining funds due at closing
$282,565No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$266,655.12
Your down payment$266,655.12
Closing costs + prepaids$15,910.16
Total buyer cash needed$282,565.28
Remaining funds due$282,565.28
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%)$5,990.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,661.72
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,497.50
Initial HOA (3 months)$816.00
Prepaid interest, first (18 days)$476.94
Fees + prepaids$15,910.16
Your down payment is the seller’s equity. You take over the $332,345 balance, so the rest of the $599,000 price is paid at closing. A second mortgage can cover part of it. $282,565.28 is due at closing. Uses and sources reconcile at $614,910.16 each. Not a Closing Disclosure.