Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$179,548Cash toward the purchase price.
Closing costs + prepaids$16,137Not just lender fees.
Before credits & paid funds$195,686The complete starting cash picture.
Estimated remaining funds due at closing
$195,686No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$179,548.39
Your down payment$179,548.39
Closing costs + prepaids$16,137.21
Total buyer cash needed$195,685.60
Remaining funds due$195,685.60
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%)$2,097.26
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,400.25
Initial HOA (3 months)$255.00
Prepaid interest, first (28 days)$926.70
Fees + prepaids$16,137.21
Your down payment is the seller’s equity. You take over the $419,452 balance, so the rest of the $599,000 price is paid at closing. A second mortgage can cover part of it. $195,685.60 is due at closing. Uses and sources reconcile at $615,137.21 each. Not a Closing Disclosure.