Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$119,376Cash toward the purchase price.
Closing costs + prepaids$17,225Not just lender fees.
Before credits & paid funds$136,601The complete starting cash picture.
Estimated remaining funds due at closing
$136,601No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$119,375.90
Your down payment$119,375.90
Closing costs + prepaids$17,225.26
Total buyer cash needed$136,601.16
Remaining funds due$136,601.16
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%)$2,403.12
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,405.75
Initial HOA (3 months)$240.00
Prepaid interest, first (26 days)$1,708.39
Fees + prepaids$17,225.26
Your down payment is the seller’s equity. You take over the $480,624 balance, so the rest of the $600,000 price is paid at closing. A second mortgage can cover part of it. $136,601.16 is due at closing. Uses and sources reconcile at $617,225.26 each. Not a Closing Disclosure.