Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$135,026Cash toward the purchase price.
Closing costs + prepaids$18,045Not just lender fees.
Before credits & paid funds$153,070The complete starting cash picture.
Estimated remaining funds due at closing
$153,070No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$135,025.81
Your down payment$135,025.81
Closing costs + prepaids$18,044.68
Total buyer cash needed$153,070.49
Remaining funds due$153,070.49
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%)$2,319.87
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$877.50
Initial HOA (3 months)$690.00
Prepaid interest, first (31 days)$2,699.31
Fees + prepaids$18,044.68
Your down payment is the seller’s equity. You take over the $463,974 balance, so the rest of the $599,000 price is paid at closing. A second mortgage can cover part of it. $153,070.49 is due at closing. Uses and sources reconcile at $617,044.68 each. Not a Closing Disclosure.