Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$108,650Cash toward the purchase price.
Closing costs + prepaids$15,739Not just lender fees.
Before credits & paid funds$124,388The complete starting cash picture.
Estimated remaining funds due at closing
$124,388No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$108,649.55
Your down payment$108,649.55
Closing costs + prepaids$15,738.55
Total buyer cash needed$124,388.10
Remaining funds due$124,388.10
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%)$2,456.75
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$505.25
Initial HOA (3 months)$195.00
Prepaid interest, first (22 days)$1,113.55
Fees + prepaids$15,738.55
Your down payment is the seller’s equity. You take over the $491,350 balance, so the rest of the $600,000 price is paid at closing. A second mortgage can cover part of it. $124,388.10 is due at closing. Uses and sources reconcile at $615,738.55 each. Not a Closing Disclosure.