Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$179,220Cash toward the purchase price.
Closing costs + prepaids$16,436Not just lender fees.
Before credits & paid funds$195,656The complete starting cash picture.
Estimated remaining funds due at closing
$195,656No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$179,219.87
Your down payment$179,219.87
Closing costs + prepaids$16,436.11
Total buyer cash needed$195,655.98
Remaining funds due$195,655.98
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%)$2,103.40
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$729.00
Initial HOA (3 months)$102.00
Prepaid interest, first (26 days)$2,034.71
Fees + prepaids$16,436.11
Your down payment is the seller’s equity. You take over the $420,680 balance, so the rest of the $599,900 price is paid at closing. A second mortgage can cover part of it. $195,655.98 is due at closing. Uses and sources reconcile at $616,336.11 each. Not a Closing Disclosure.