Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$115,857Cash toward the purchase price.
Closing costs + prepaids$16,698Not just lender fees.
Before credits & paid funds$132,556The complete starting cash picture.
Estimated remaining funds due at closing
$132,556No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$115,857.22
Your down payment$115,857.22
Closing costs + prepaids$16,698.47
Total buyer cash needed$132,555.70
Remaining funds due$132,555.70
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%)$5,999.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,420.21
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,499.75
Initial HOA (3 months)$360.00
Prepaid interest, first (25 days)$951.51
Fees + prepaids$16,698.47
Your down payment is the seller’s equity. You take over the $484,043 balance, so the rest of the $599,900 price is paid at closing. A second mortgage can cover part of it. $132,555.70 is due at closing. Uses and sources reconcile at $616,598.47 each. Not a Closing Disclosure.