Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$237,765Cash toward the purchase price.
Closing costs + prepaids$16,141Not just lender fees.
Before credits & paid funds$253,907The complete starting cash picture.
Estimated remaining funds due at closing
$253,907No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$237,765.25
Your down payment$237,765.25
Closing costs + prepaids$16,141.34
Total buyer cash needed$253,906.60
Remaining funds due$253,906.60
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%)$5,999.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,810.67
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,720.50
Initial HOA (3 months)$381.99
Prepaid interest, first (28 days)$761.18
Fees + prepaids$16,141.34
Your down payment is the seller’s equity. You take over the $362,135 balance, so the rest of the $599,900 price is paid at closing. A second mortgage can cover part of it. $253,906.60 is due at closing. Uses and sources reconcile at $616,041.34 each. Not a Closing Disclosure.