Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$259,323Cash toward the purchase price.
Closing costs + prepaids$15,903Not just lender fees.
Before credits & paid funds$275,226The complete starting cash picture.
Estimated remaining funds due at closing
$275,226No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$259,323.24
Your down payment$259,323.24
Closing costs + prepaids$15,903.21
Total buyer cash needed$275,226.46
Remaining funds due$275,226.46
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%)$1,703.38
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)$987.00
Prepaid interest, first (18 days)$1,024.83
Fees + prepaids$15,903.21
Your down payment is the seller’s equity. You take over the $340,677 balance, so the rest of the $600,000 price is paid at closing. A second mortgage can cover part of it. $275,226.46 is due at closing. Uses and sources reconcile at $615,903.21 each. Not a Closing Disclosure.