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$14,931Not just lender fees.
Before credits & paid funds$244,873The complete starting cash picture.
Estimated remaining funds due at closing
$244,873No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$229,942.01
Your down payment$229,942.01
Closing costs + prepaids$14,931.21
Total buyer cash needed$244,873.22
Remaining funds due$244,873.22
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%)$6,050.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,875.29
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$646.00
Prepaid interest, first (31 days)$891.92
Fees + prepaids$14,931.21
Your down payment is the seller’s equity. You take over the $375,058 balance, so the rest of the $605,000 price is paid at closing. A second mortgage can cover part of it. $244,873.22 is due at closing. Uses and sources reconcile at $619,931.21 each. Not a Closing Disclosure.