Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$428,284Cash toward the purchase price.
Closing costs + prepaids$13,625Not just lender fees.
Before credits & paid funds$441,909The complete starting cash picture.
Estimated remaining funds due at closing
$441,909No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$428,283.51
Your down payment$428,283.51
Closing costs + prepaids$13,625.11
Total buyer cash needed$441,908.63
Remaining funds due$441,908.63
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%)$5,990.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$853.58
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$875.50
Initial HOA (3 months)$8.76
Prepaid interest, first (26 days)$429.27
Fees + prepaids$13,625.11
Your down payment is the seller’s equity. You take over the $170,716 balance, so the rest of the $599,000 price is paid at closing. A second mortgage can cover part of it. $441,908.63 is due at closing. Uses and sources reconcile at $612,625.11 each. Not a Closing Disclosure.