Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$336,055Cash toward the purchase price.
Closing costs + prepaids$13,784Not just lender fees.
Before credits & paid funds$349,839The complete starting cash picture.
Estimated remaining funds due at closing
$349,839No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$336,055.30
Your down payment$336,055.30
Closing costs + prepaids$13,784.08
Total buyer cash needed$349,839.38
Remaining funds due$349,839.38
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%)$6,000.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,319.72
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$720.00
Initial HOA (3 months)$44.01
Prepaid interest, first (9 days)$232.34
Fees + prepaids$13,784.08
Your down payment is the seller’s equity. You take over the $263,945 balance, so the rest of the $600,000 price is paid at closing. A second mortgage can cover part of it. $349,839.38 is due at closing. Uses and sources reconcile at $613,784.08 each. Not a Closing Disclosure.