Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$143,465Cash toward the purchase price.
Closing costs + prepaids$17,603Not just lender fees.
Before credits & paid funds$161,068The complete starting cash picture.
Estimated remaining funds due at closing
$161,068No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$143,465.26
Your down payment$143,465.26
Closing costs + prepaids$17,602.73
Total buyer cash needed$161,067.99
Remaining funds due$161,067.99
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%)$5,999.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,282.17
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$855.50
Initial HOA (3 months)$378.00
Prepaid interest, first (27 days)$2,620.06
Fees + prepaids$17,602.73
Your down payment is the seller’s equity. You take over the $456,435 balance, so the rest of the $599,900 price is paid at closing. A second mortgage can cover part of it. $161,067.99 is due at closing. Uses and sources reconcile at $617,502.73 each. Not a Closing Disclosure.