Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$133,416Cash toward the purchase price.
Closing costs + prepaids$16,558Not just lender fees.
Before credits & paid funds$149,975The complete starting cash picture.
Estimated remaining funds due at closing
$149,975No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$133,416.34
Your down payment$133,416.34
Closing costs + prepaids$16,558.40
Total buyer cash needed$149,974.74
Remaining funds due$149,974.74
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%)$2,332.42
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$638.75
Initial HOA (3 months)$114.99
Prepaid interest, first (30 days)$2,005.24
Fees + prepaids$16,558.40
Your down payment is the seller’s equity. You take over the $466,484 balance, so the rest of the $599,900 price is paid at closing. A second mortgage can cover part of it. $149,974.74 is due at closing. Uses and sources reconcile at $616,458.40 each. Not a Closing Disclosure.