Follow the dollars · Assumption only
A complete cash picture for Dec 16, 2026
Your down payment$315,738Cash toward the purchase price.
Closing costs + prepaids$14,127Not just lender fees.
Before credits & paid funds$329,865The complete starting cash picture.
Estimated remaining funds due at closing
$329,865No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$315,737.68
Your down payment$315,737.68
Closing costs + prepaids$14,127.36
Total buyer cash needed$329,865.05
Remaining funds due$329,865.05
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%)$1,346.31
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 (16 days)$731.80
Fees + prepaids$14,127.36
Your down payment is the seller’s equity. You take over the $269,262 balance, so the rest of the $585,000 price is paid at closing. A second mortgage can cover part of it. $329,865.05 is due at closing. Uses and sources reconcile at $599,127.36 each. Not a Closing Disclosure.