Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$172,549Cash toward the purchase price.
Closing costs + prepaids$15,477Not just lender fees.
Before credits & paid funds$188,026The complete starting cash picture.
Estimated remaining funds due at closing
$188,026No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$172,549.22
Your down payment$172,549.22
Closing costs + prepaids$15,476.77
Total buyer cash needed$188,025.98
Remaining funds due$188,025.98
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%)$2,136.75
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$475.75
Prepaid interest, first (27 days)$1,397.26
Fees + prepaids$15,476.77
Your down payment is the seller’s equity. You take over the $427,351 balance, so the rest of the $599,900 price is paid at closing. A second mortgage can cover part of it. $188,025.98 is due at closing. Uses and sources reconcile at $615,376.77 each. Not a Closing Disclosure.