Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$193,886Cash toward the purchase price.
Closing costs + prepaids$15,930Not just lender fees.
Before credits & paid funds$209,816The complete starting cash picture.
Estimated remaining funds due at closing
$209,816No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$193,885.69
Your down payment$193,885.69
Closing costs + prepaids$15,929.90
Total buyer cash needed$209,815.59
Remaining funds due$209,815.59
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%)$5,999.90
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,030.52
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,500.00
Prepaid interest, first (28 days)$931.48
Fees + prepaids$15,929.90
Your down payment is the seller’s equity. You take over the $406,104 balance, so the rest of the $599,990 price is paid at closing. A second mortgage can cover part of it. $209,815.59 is due at closing. Uses and sources reconcile at $615,919.90 each. Not a Closing Disclosure.