Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$174,229Cash toward the purchase price.
Closing costs + prepaids$17,344Not just lender fees.
Before credits & paid funds$191,573The complete starting cash picture.
Estimated remaining funds due at closing
$191,573No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$174,229.15
Your down payment$174,229.15
Closing costs + prepaids$17,343.68
Total buyer cash needed$191,572.83
Remaining funds due$191,572.83
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%)$2,128.35
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,492.50
Prepaid interest, first (29 days)$2,255.82
Fees + prepaids$17,343.68
Your down payment is the seller’s equity. You take over the $425,671 balance, so the rest of the $599,900 price is paid at closing. A second mortgage can cover part of it. $191,572.83 is due at closing. Uses and sources reconcile at $617,243.68 each. Not a Closing Disclosure.