Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$380,290Cash toward the purchase price.
Closing costs + prepaids$14,040Not just lender fees.
Before credits & paid funds$394,330The complete starting cash picture.
Estimated remaining funds due at closing
$394,330No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$380,289.71
Your down payment$380,289.71
Closing costs + prepaids$14,039.93
Total buyer cash needed$394,329.64
Remaining funds due$394,329.64
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%)$1,093.55
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$730.50
Prepaid interest, first (31 days)$757.88
Fees + prepaids$14,039.93
Your down payment is the seller’s equity. You take over the $218,710 balance, so the rest of the $599,000 price is paid at closing. A second mortgage can cover part of it. $394,329.64 is due at closing. Uses and sources reconcile at $613,039.93 each. Not a Closing Disclosure.