Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$195,266Cash toward the purchase price.
Closing costs + prepaids$17,456Not just lender fees.
Before credits & paid funds$212,722The complete starting cash picture.
Estimated remaining funds due at closing
$212,722No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$195,265.64
Your down payment$195,265.64
Closing costs + prepaids$17,456.42
Total buyer cash needed$212,722.06
Remaining funds due$212,722.06
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%)$2,018.67
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,982.75
Initial HOA (3 months)$21.24
Prepaid interest, first (26 days)$1,975.75
Fees + prepaids$17,456.42
Your down payment is the seller’s equity. You take over the $403,734 balance, so the rest of the $599,000 price is paid at closing. A second mortgage can cover part of it. $212,722.06 is due at closing. Uses and sources reconcile at $616,456.42 each. Not a Closing Disclosure.