Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$393,923Cash toward the purchase price.
Closing costs + prepaids$14,512Not just lender fees.
Before credits & paid funds$408,434The complete starting cash picture.
Estimated remaining funds due at closing
$408,434No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$393,922.59
Your down payment$393,922.59
Closing costs + prepaids$14,511.82
Total buyer cash needed$408,434.41
Remaining funds due$408,434.41
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%)$6,000.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,030.39
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,183.25
Initial HOA (3 months)$312.00
Prepaid interest, first (26 days)$518.19
Fees + prepaids$14,511.82
Your down payment is the seller’s equity. You take over the $206,077 balance, so the rest of the $600,000 price is paid at closing. A second mortgage can cover part of it. $408,434.41 is due at closing. Uses and sources reconcile at $614,511.82 each. Not a Closing Disclosure.