Follow the dollars · Assumption only
A complete cash picture for Dec 11, 2026
Your down payment$363,382Cash toward the purchase price.
Closing costs + prepaids$13,583Not just lender fees.
Before credits & paid funds$376,965The complete starting cash picture.
Estimated remaining funds due at closing
$376,965No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$363,382.19
Your down payment$363,382.19
Closing costs + prepaids$13,582.82
Total buyer cash needed$376,965.01
Remaining funds due$376,965.01
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%)$5,990.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,178.09
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$456.00
Prepaid interest, first (21 days)$490.73
Fees + prepaids$13,582.82
Your down payment is the seller’s equity. You take over the $235,618 balance, so the rest of the $599,000 price is paid at closing. A second mortgage can cover part of it. $376,965.01 is due at closing. Uses and sources reconcile at $612,582.82 each. Not a Closing Disclosure.