Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$164,928Cash toward the purchase price.
Closing costs + prepaids$16,156Not just lender fees.
Before credits & paid funds$181,084The complete starting cash picture.
Estimated remaining funds due at closing
$181,084No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$164,927.78
Your down payment$164,927.78
Closing costs + prepaids$16,155.92
Total buyer cash needed$181,083.70
Remaining funds due$181,083.70
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%)$2,175.36
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,272.75
Initial HOA (3 months)$255.00
Prepaid interest, first (27 days)$984.81
Fees + prepaids$16,155.92
Your down payment is the seller’s equity. You take over the $435,072 balance, so the rest of the $600,000 price is paid at closing. A second mortgage can cover part of it. $181,083.70 is due at closing. Uses and sources reconcile at $616,155.92 each. Not a Closing Disclosure.