Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$197,065Cash toward the purchase price.
Closing costs + prepaids$14,035Not just lender fees.
Before credits & paid funds$211,099The complete starting cash picture.
Estimated remaining funds due at closing
$211,099No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$197,064.58
Your down payment$197,064.58
Closing costs + prepaids$14,034.70
Total buyer cash needed$211,099.29
Remaining funds due$211,099.29
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%)$6,000.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,014.68
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$522.00
Prepaid interest, first (1 days)$30.03
Fees + prepaids$14,034.70
Your down payment is the seller’s equity. You take over the $402,935 balance, so the rest of the $600,000 price is paid at closing. A second mortgage can cover part of it. $211,099.29 is due at closing. Uses and sources reconcile at $614,034.70 each. Not a Closing Disclosure.