Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$364,816Cash toward the purchase price.
Closing costs + prepaids$13,582Not just lender fees.
Before credits & paid funds$378,398The complete starting cash picture.
Estimated remaining funds due at closing
$378,398No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$364,815.97
Your down payment$364,815.97
Closing costs + prepaids$13,581.65
Total buyer cash needed$378,397.62
Remaining funds due$378,397.62
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%)$5,999.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,175.42
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)$38.25
Prepaid interest, first (10 days)$180.98
Fees + prepaids$13,581.65
Your down payment is the seller’s equity. You take over the $235,084 balance, so the rest of the $599,900 price is paid at closing. A second mortgage can cover part of it. $378,397.62 is due at closing. Uses and sources reconcile at $613,481.65 each. Not a Closing Disclosure.