Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$233,432Cash toward the purchase price.
Closing costs + prepaids$16,597Not just lender fees.
Before credits & paid funds$250,029The complete starting cash picture.
Estimated remaining funds due at closing
$250,029No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$233,431.58
Your down payment$233,431.58
Closing costs + prepaids$16,597.49
Total buyer cash needed$250,029.07
Remaining funds due$250,029.07
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%)$5,950.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,807.84
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$804.25
Initial HOA (3 months)$1,872.00
Prepaid interest, first (26 days)$695.40
Fees + prepaids$16,597.49
Your down payment is the seller’s equity. You take over the $361,568 balance, so the rest of the $595,000 price is paid at closing. A second mortgage can cover part of it. $250,029.07 is due at closing. Uses and sources reconcile at $611,597.49 each. Not a Closing Disclosure.