Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$124,442Cash toward the purchase price.
Closing costs + prepaids$16,545Not just lender fees.
Before credits & paid funds$140,987The complete starting cash picture.
Estimated remaining funds due at closing
$140,987No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$124,441.74
Your down payment$124,441.74
Closing costs + prepaids$16,544.78
Total buyer cash needed$140,986.52
Remaining funds due$140,986.52
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%)$2,377.29
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Initial HOA (3 months)$213.00
Prepaid interest, first (28 days)$2,487.49
Fees + prepaids$16,544.78
Your down payment is the seller’s equity. You take over the $475,458 balance, so the rest of the $599,900 price is paid at closing. A second mortgage can cover part of it. $140,986.52 is due at closing. Uses and sources reconcile at $616,444.78 each. Not a Closing Disclosure.