Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$229,942Cash toward the purchase price.
Closing costs + prepaids$14,940Not just lender fees.
Before credits & paid funds$244,882The complete starting cash picture.
Estimated remaining funds due at closing
$244,882No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$229,942.04
Your down payment$229,942.04
Closing costs + prepaids$14,940.07
Total buyer cash needed$244,882.12
Remaining funds due$244,882.12
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%)$1,849.79
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$535.50
Initial HOA (3 months)$186.00
Prepaid interest, first (31 days)$901.79
Fees + prepaids$14,940.07
Your down payment is the seller’s equity. You take over the $369,958 balance, so the rest of the $599,900 price is paid at closing. A second mortgage can cover part of it. $244,882.12 is due at closing. Uses and sources reconcile at $614,840.07 each. Not a Closing Disclosure.