Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$215,941Cash toward the purchase price.
Closing costs + prepaids$16,285Not just lender fees.
Before credits & paid funds$232,226The complete starting cash picture.
Estimated remaining funds due at closing
$232,226No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$215,940.81
Your down payment$215,940.81
Closing costs + prepaids$16,285.34
Total buyer cash needed$232,226.15
Remaining funds due$232,226.15
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%)$1,919.80
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$2,185.50
Initial HOA (3 months)$144.99
Prepaid interest, first (24 days)$568.05
Fees + prepaids$16,285.34
Your down payment is the seller’s equity. You take over the $383,959 balance, so the rest of the $599,900 price is paid at closing. A second mortgage can cover part of it. $232,226.15 is due at closing. Uses and sources reconcile at $616,185.34 each. Not a Closing Disclosure.