Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$188,767Cash toward the purchase price.
Closing costs + prepaids$14,828Not just lender fees.
Before credits & paid funds$203,594The complete starting cash picture.
Estimated remaining funds due at closing
$203,594No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$188,766.94
Your down payment$188,766.94
Closing costs + prepaids$14,827.55
Total buyer cash needed$203,594.49
Remaining funds due$203,594.49
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%)$2,055.67
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$586.25
Prepaid interest, first (22 days)$718.64
Fees + prepaids$14,827.55
Your down payment is the seller’s equity. You take over the $411,133 balance, so the rest of the $599,900 price is paid at closing. A second mortgage can cover part of it. $203,594.49 is due at closing. Uses and sources reconcile at $614,727.55 each. Not a Closing Disclosure.