Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$203,335Cash toward the purchase price.
Closing costs + prepaids$15,285Not just lender fees.
Before credits & paid funds$218,620The complete starting cash picture.
Estimated remaining funds due at closing
$218,620No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$203,335.33
Your down payment$203,335.33
Closing costs + prepaids$15,284.66
Total buyer cash needed$218,619.99
Remaining funds due$218,619.99
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%)$1,978.32
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$911.75
Prepaid interest, first (30 days)$936.59
Fees + prepaids$15,284.66
Your down payment is the seller’s equity. You take over the $395,665 balance, so the rest of the $599,000 price is paid at closing. A second mortgage can cover part of it. $218,619.99 is due at closing. Uses and sources reconcile at $614,284.66 each. Not a Closing Disclosure.