Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$168,644Cash toward the purchase price.
Closing costs + prepaids$15,765Not just lender fees.
Before credits & paid funds$184,408The complete starting cash picture.
Estimated remaining funds due at closing
$184,408No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$168,643.67
Your down payment$168,643.67
Closing costs + prepaids$15,764.74
Total buyer cash needed$184,408.41
Remaining funds due$184,408.41
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%)$2,156.28
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$264.25
Prepaid interest, first (24 days)$1,877.21
Fees + prepaids$15,764.74
Your down payment is the seller’s equity. You take over the $431,256 balance, so the rest of the $599,900 price is paid at closing. A second mortgage can cover part of it. $184,408.41 is due at closing. Uses and sources reconcile at $615,664.74 each. Not a Closing Disclosure.