Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$220,060Cash toward the purchase price.
Closing costs + prepaids$14,982Not just lender fees.
Before credits & paid funds$235,043The complete starting cash picture.
Estimated remaining funds due at closing
$235,043No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$220,060.30
Your down payment$220,060.30
Closing costs + prepaids$14,982.41
Total buyer cash needed$235,042.71
Remaining funds due$235,042.71
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%)$1,894.70
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$760.75
Prepaid interest, first (30 days)$868.97
Fees + prepaids$14,982.41
Your down payment is the seller’s equity. You take over the $378,940 balance, so the rest of the $599,000 price is paid at closing. A second mortgage can cover part of it. $235,042.71 is due at closing. Uses and sources reconcile at $613,982.41 each. Not a Closing Disclosure.