Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$328,728Cash toward the purchase price.
Closing costs + prepaids$13,785Not just lender fees.
Before credits & paid funds$342,513The complete starting cash picture.
Estimated remaining funds due at closing
$342,513No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$328,727.53
Your down payment$328,727.53
Closing costs + prepaids$13,785.48
Total buyer cash needed$342,513.01
Remaining funds due$342,513.01
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%)$5,950.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,331.36
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$714.00
Initial HOA (3 months)$87.51
Prepaid interest, first (12 days)$234.61
Fees + prepaids$13,785.48
Your down payment is the seller’s equity. You take over the $266,272 balance, so the rest of the $595,000 price is paid at closing. A second mortgage can cover part of it. $342,513.01 is due at closing. Uses and sources reconcile at $608,785.48 each. Not a Closing Disclosure.