Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$187,343Cash toward the purchase price.
Closing costs + prepaids$15,895Not just lender fees.
Before credits & paid funds$203,238The complete starting cash picture.
Estimated remaining funds due at closing
$203,238No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$187,343.26
Your down payment$187,343.26
Closing costs + prepaids$15,894.63
Total buyer cash needed$203,237.89
Remaining funds due$203,237.89
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%)$6,000.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,063.28
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,184.75
Initial HOA (3 months)$195.00
Prepaid interest, first (30 days)$983.59
Fees + prepaids$15,894.63
Your down payment is the seller’s equity. You take over the $412,657 balance, so the rest of the $600,000 price is paid at closing. A second mortgage can cover part of it. $203,237.89 is due at closing. Uses and sources reconcile at $615,894.63 each. Not a Closing Disclosure.