Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$211,323Cash toward the purchase price.
Closing costs + prepaids$15,549Not just lender fees.
Before credits & paid funds$226,872The complete starting cash picture.
Estimated remaining funds due at closing
$226,872No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$211,322.80
Your down payment$211,322.80
Closing costs + prepaids$15,548.72
Total buyer cash needed$226,871.52
Remaining funds due$226,871.52
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%)$5,990.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,938.39
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,177.00
Initial HOA (3 months)$279.00
Prepaid interest, first (22 days)$696.33
Fees + prepaids$15,548.72
Your down payment is the seller’s equity. You take over the $387,677 balance, so the rest of the $599,000 price is paid at closing. A second mortgage can cover part of it. $226,871.52 is due at closing. Uses and sources reconcile at $614,548.72 each. Not a Closing Disclosure.