Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$187,343Cash toward the purchase price.
Closing costs + prepaids$15,632Not just lender fees.
Before credits & paid funds$202,976The complete starting cash picture.
Estimated remaining funds due at closing
$202,976No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$187,343.26
Your down payment$187,343.26
Closing costs + prepaids$15,632.34
Total buyer cash needed$202,975.60
Remaining funds due$202,975.60
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%)$6,000.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,063.28
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,184.75
Initial HOA (3 months)$195.00
Prepaid interest, first (22 days)$721.30
Fees + prepaids$15,632.34
Your down payment is the seller’s equity. You take over the $412,657 balance, so the rest of the $600,000 price is paid at closing. A second mortgage can cover part of it. $202,975.60 is due at closing. Uses and sources reconcile at $615,632.34 each. Not a Closing Disclosure.