Follow the dollars · Assumption only
A complete cash picture for Dec 16, 2026
Your down payment$349,724Cash toward the purchase price.
Closing costs + prepaids$13,801Not just lender fees.
Before credits & paid funds$363,525The complete starting cash picture.
Estimated remaining funds due at closing
$363,525No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$349,723.52
Your down payment$349,723.52
Closing costs + prepaids$13,801.41
Total buyer cash needed$363,524.93
Remaining funds due$363,524.93
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%)$1,246.38
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$748.75
Initial HOA (3 months)$15.00
Prepaid interest, first (16 days)$333.28
Fees + prepaids$13,801.41
Your down payment is the seller’s equity. You take over the $249,276 balance, so the rest of the $599,000 price is paid at closing. A second mortgage can cover part of it. $363,524.93 is due at closing. Uses and sources reconcile at $612,801.41 each. Not a Closing Disclosure.