Follow the dollars · Assumption only
A complete cash picture for Dec 16, 2026
Your down payment$366,008Cash toward the purchase price.
Closing costs + prepaids$13,659Not just lender fees.
Before credits & paid funds$379,667The complete starting cash picture.
Estimated remaining funds due at closing
$379,667No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$366,008.15
Your down payment$366,008.15
Closing costs + prepaids$13,658.70
Total buyer cash needed$379,666.85
Remaining funds due$379,666.85
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%)$1,164.96
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$748.75
Prepaid interest, first (16 days)$286.99
Fees + prepaids$13,658.70
Your down payment is the seller’s equity. You take over the $232,992 balance, so the rest of the $599,000 price is paid at closing. A second mortgage can cover part of it. $379,666.85 is due at closing. Uses and sources reconcile at $612,658.70 each. Not a Closing Disclosure.