Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$200,479Cash toward the purchase price.
Closing costs + prepaids$15,274Not just lender fees.
Before credits & paid funds$215,752The complete starting cash picture.
Estimated remaining funds due at closing
$215,752No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$200,478.73
Your down payment$200,478.73
Closing costs + prepaids$15,273.54
Total buyer cash needed$215,752.27
Remaining funds due$215,752.27
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%)$5,850.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,922.61
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,091.00
Initial HOA (3 months)$27.51
Prepaid interest, first (31 days)$914.42
Fees + prepaids$15,273.54
Your down payment is the seller’s equity. You take over the $384,521 balance, so the rest of the $585,000 price is paid at closing. A second mortgage can cover part of it. $215,752.27 is due at closing. Uses and sources reconcile at $600,273.54 each. Not a Closing Disclosure.