Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$320,423Cash toward the purchase price.
Closing costs + prepaids$13,967Not just lender fees.
Before credits & paid funds$334,390The complete starting cash picture.
Estimated remaining funds due at closing
$334,390No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$320,422.90
Your down payment$320,422.90
Closing costs + prepaids$13,967.33
Total buyer cash needed$334,390.23
Remaining funds due$334,390.23
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%)$1,392.89
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$513.75
Initial HOA (3 months)$494.01
Prepaid interest, first (2 days)$108.68
Fees + prepaids$13,967.33
Your down payment is the seller’s equity. You take over the $278,577 balance, so the rest of the $599,000 price is paid at closing. A second mortgage can cover part of it. $334,390.23 is due at closing. Uses and sources reconcile at $612,967.33 each. Not a Closing Disclosure.