Follow the dollars · Assumption only
A complete cash picture for Dec 16, 2026
Your down payment$296,307Cash toward the purchase price.
Closing costs + prepaids$13,964Not just lender fees.
Before credits & paid funds$310,272The complete starting cash picture.
Estimated remaining funds due at closing
$310,272No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$296,307.28
Your down payment$296,307.28
Closing costs + prepaids$13,964.46
Total buyer cash needed$310,271.74
Remaining funds due$310,271.74
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%)$5,859.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,447.96
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$732.50
Prepaid interest, first (16 days)$457.00
Fees + prepaids$13,964.46
Your down payment is the seller’s equity. You take over the $289,593 balance, so the rest of the $585,900 price is paid at closing. A second mortgage can cover part of it. $310,271.74 is due at closing. Uses and sources reconcile at $599,864.46 each. Not a Closing Disclosure.