Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$421,525Cash toward the purchase price.
Closing costs + prepaids$13,095Not just lender fees.
Before credits & paid funds$434,620The complete starting cash picture.
Estimated remaining funds due at closing
$434,620No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$421,524.73
Your down payment$421,524.73
Closing costs + prepaids$13,095.19
Total buyer cash needed$434,619.92
Remaining funds due$434,619.92
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%)$892.38
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$382.75
Prepaid interest, first (24 days)$352.06
Fees + prepaids$13,095.19
Your down payment is the seller’s equity. You take over the $178,475 balance, so the rest of the $600,000 price is paid at closing. A second mortgage can cover part of it. $434,619.92 is due at closing. Uses and sources reconcile at $613,095.19 each. Not a Closing Disclosure.