Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$102,968Cash toward the purchase price.
Closing costs + prepaids$19,035Not just lender fees.
Before credits & paid funds$122,003The complete starting cash picture.
Estimated remaining funds due at closing
$122,003No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$102,967.66
Your down payment$102,967.66
Closing costs + prepaids$19,035.19
Total buyer cash needed$122,002.84
Remaining funds due$122,002.84
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%)$6,000.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,485.16
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,500.00
Initial HOA (3 months)$1,260.00
Prepaid interest, first (28 days)$2,322.03
Fees + prepaids$19,035.19
Your down payment is the seller’s equity. You take over the $497,032 balance, so the rest of the $600,000 price is paid at closing. A second mortgage can cover part of it. $122,002.84 is due at closing. Uses and sources reconcile at $619,035.19 each. Not a Closing Disclosure.