Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$157,535Cash toward the purchase price.
Closing costs + prepaids$15,377Not just lender fees.
Before credits & paid funds$172,912The complete starting cash picture.
Estimated remaining funds due at closing
$172,912No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$157,534.87
Your down payment$157,534.87
Closing costs + prepaids$15,377.20
Total buyer cash needed$172,912.07
Remaining funds due$172,912.07
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%)$2,207.33
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$692.75
Initial HOA (3 months)$60.00
Prepaid interest, first (26 days)$959.13
Fees + prepaids$15,377.20
Your down payment is the seller’s equity. You take over the $441,465 balance, so the rest of the $599,000 price is paid at closing. A second mortgage can cover part of it. $172,912.07 is due at closing. Uses and sources reconcile at $614,377.20 each. Not a Closing Disclosure.