Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$317,915Cash toward the purchase price.
Closing costs + prepaids$13,696Not just lender fees.
Before credits & paid funds$331,611The complete starting cash picture.
Estimated remaining funds due at closing
$331,611No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$317,915.03
Your down payment$317,915.03
Closing costs + prepaids$13,696.12
Total buyer cash needed$331,611.16
Remaining funds due$331,611.16
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%)$5,850.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,335.42
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$702.00
Prepaid interest, first (12 days)$340.70
Fees + prepaids$13,696.12
Your down payment is the seller’s equity. You take over the $267,085 balance, so the rest of the $585,000 price is paid at closing. A second mortgage can cover part of it. $331,611.16 is due at closing. Uses and sources reconcile at $598,696.12 each. Not a Closing Disclosure.