Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$165,334Cash toward the purchase price.
Closing costs + prepaids$14,788Not just lender fees.
Before credits & paid funds$180,122The complete starting cash picture.
Estimated remaining funds due at closing
$180,122No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$165,333.85
Your down payment$165,333.85
Closing costs + prepaids$14,788.01
Total buyer cash needed$180,121.86
Remaining funds due$180,121.86
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%)$2,172.83
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$307.75
Initial HOA (3 months)$9.99
Prepaid interest, first (25 days)$830.44
Fees + prepaids$14,788.01
Your down payment is the seller’s equity. You take over the $434,566 balance, so the rest of the $599,900 price is paid at closing. A second mortgage can cover part of it. $180,121.86 is due at closing. Uses and sources reconcile at $614,688.01 each. Not a Closing Disclosure.