Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$231,806Cash toward the purchase price.
Closing costs + prepaids$15,433Not just lender fees.
Before credits & paid funds$247,239The complete starting cash picture.
Estimated remaining funds due at closing
$247,239No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$231,805.71
Your down payment$231,805.71
Closing costs + prepaids$15,433.38
Total buyer cash needed$247,239.09
Remaining funds due$247,239.09
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%)$5,950.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,815.97
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,208.25
Initial HOA (3 months)$219.99
Prepaid interest, first (25 days)$771.17
Fees + prepaids$15,433.38
Your down payment is the seller’s equity. You take over the $363,194 balance, so the rest of the $595,000 price is paid at closing. A second mortgage can cover part of it. $247,239.09 is due at closing. Uses and sources reconcile at $610,433.38 each. Not a Closing Disclosure.