Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$160,722Cash toward the purchase price.
Closing costs + prepaids$16,083Not just lender fees.
Before credits & paid funds$176,804The complete starting cash picture.
Estimated remaining funds due at closing
$176,804No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$160,721.87
Your down payment$160,721.87
Closing costs + prepaids$16,082.59
Total buyer cash needed$176,804.46
Remaining funds due$176,804.46
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%)$2,196.39
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,014.75
Initial HOA (3 months)$315.00
Prepaid interest, first (28 days)$1,088.45
Fees + prepaids$16,082.59
Your down payment is the seller’s equity. You take over the $439,278 balance, so the rest of the $600,000 price is paid at closing. A second mortgage can cover part of it. $176,804.46 is due at closing. Uses and sources reconcile at $616,082.59 each. Not a Closing Disclosure.