Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$326,150Cash toward the purchase price.
Closing costs + prepaids$13,829Not just lender fees.
Before credits & paid funds$339,979The complete starting cash picture.
Estimated remaining funds due at closing
$339,979No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$326,149.91
Your down payment$326,149.91
Closing costs + prepaids$13,828.71
Total buyer cash needed$339,978.62
Remaining funds due$339,978.62
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%)$6,050.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,394.25
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$726.00
Prepaid interest, first (9 days)$190.46
Fees + prepaids$13,828.71
Your down payment is the seller’s equity. You take over the $278,850 balance, so the rest of the $605,000 price is paid at closing. A second mortgage can cover part of it. $339,978.62 is due at closing. Uses and sources reconcile at $618,828.71 each. Not a Closing Disclosure.