Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$212,502Cash toward the purchase price.
Closing costs + prepaids$16,795Not just lender fees.
Before credits & paid funds$229,297The complete starting cash picture.
Estimated remaining funds due at closing
$229,297No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$212,502.28
Your down payment$212,502.28
Closing costs + prepaids$16,795.10
Total buyer cash needed$229,297.37
Remaining funds due$229,297.37
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%)$1,932.49
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,497.50
Initial HOA (3 months)$1,035.00
Prepaid interest, first (29 days)$872.11
Fees + prepaids$16,795.10
Your down payment is the seller’s equity. You take over the $386,498 balance, so the rest of the $599,000 price is paid at closing. A second mortgage can cover part of it. $229,297.37 is due at closing. Uses and sources reconcile at $615,795.10 each. Not a Closing Disclosure.