Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$176,978Cash toward the purchase price.
Closing costs + prepaids$15,990Not just lender fees.
Before credits & paid funds$192,968The complete starting cash picture.
Estimated remaining funds due at closing
$192,968No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$176,977.55
Your down payment$176,977.55
Closing costs + prepaids$15,990.00
Total buyer cash needed$192,967.56
Remaining funds due$192,967.56
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%)$2,115.11
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,500.00
Prepaid interest, first (25 days)$906.89
Fees + prepaids$15,990.00
Your down payment is the seller’s equity. You take over the $423,022 balance, so the rest of the $600,000 price is paid at closing. A second mortgage can cover part of it. $192,967.56 is due at closing. Uses and sources reconcile at $615,990.00 each. Not a Closing Disclosure.