Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$204,655Cash toward the purchase price.
Closing costs + prepaids$14,465Not just lender fees.
Before credits & paid funds$219,120The complete starting cash picture.
Estimated remaining funds due at closing
$219,120No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$204,654.84
Your down payment$204,654.84
Closing costs + prepaids$14,464.72
Total buyer cash needed$219,119.56
Remaining funds due$219,119.56
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%)$6,000.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,976.73
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$522.00
Prepaid interest, first (23 days)$497.99
Fees + prepaids$14,464.72
Your down payment is the seller’s equity. You take over the $395,345 balance, so the rest of the $600,000 price is paid at closing. A second mortgage can cover part of it. $219,119.56 is due at closing. Uses and sources reconcile at $614,464.72 each. Not a Closing Disclosure.