Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$257,126Cash toward the purchase price.
Closing costs + prepaids$15,114Not just lender fees.
Before credits & paid funds$272,241The complete starting cash picture.
Estimated remaining funds due at closing
$272,241No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$257,126.18
Your down payment$257,126.18
Closing costs + prepaids$15,114.40
Total buyer cash needed$272,240.57
Remaining funds due$272,240.57
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%)$1,714.37
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$760.25
Initial HOA (3 months)$237.00
Prepaid interest, first (31 days)$934.78
Fees + prepaids$15,114.40
Your down payment is the seller’s equity. You take over the $342,874 balance, so the rest of the $600,000 price is paid at closing. A second mortgage can cover part of it. $272,240.57 is due at closing. Uses and sources reconcile at $615,114.40 each. Not a Closing Disclosure.