Follow the dollars · Assumption only
A complete cash picture for Dec 15, 2026
Your down payment$286,384Cash toward the purchase price.
Closing costs + prepaids$14,446Not just lender fees.
Before credits & paid funds$300,831The complete starting cash picture.
Estimated remaining funds due at closing
$300,831No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$286,384.46
Your down payment$286,384.46
Closing costs + prepaids$14,446.36
Total buyer cash needed$300,830.82
Remaining funds due$300,830.82
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%)$5,850.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,493.08
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$731.25
Prepaid interest, first (17 days)$904.03
Fees + prepaids$14,446.36
Your down payment is the seller’s equity. You take over the $298,616 balance, so the rest of the $585,000 price is paid at closing. A second mortgage can cover part of it. $300,830.82 is due at closing. Uses and sources reconcile at $599,446.36 each. Not a Closing Disclosure.