Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$139,939Cash toward the purchase price.
Closing costs + prepaids$16,563Not just lender fees.
Before credits & paid funds$156,503The complete starting cash picture.
Estimated remaining funds due at closing
$156,503No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$139,939.31
Your down payment$139,939.31
Closing costs + prepaids$16,563.29
Total buyer cash needed$156,502.60
Remaining funds due$156,502.60
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%)$5,970.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,285.30
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$875.25
Prepaid interest, first (30 days)$1,964.73
Fees + prepaids$16,563.29
Your down payment is the seller’s equity. You take over the $457,061 balance, so the rest of the $597,000 price is paid at closing. A second mortgage can cover part of it. $156,502.60 is due at closing. Uses and sources reconcile at $613,563.29 each. Not a Closing Disclosure.