Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$179,278Cash toward the purchase price.
Closing costs + prepaids$39,588Not just lender fees.
Before credits & paid funds$218,866The complete starting cash picture.
Estimated remaining funds due at closing
$218,866No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$179,278.43
Your down payment$179,278.43
Closing costs + prepaids$39,587.96
Total buyer cash needed$218,866.39
Remaining funds due$218,866.39
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%)$15,990.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$7,098.61
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,486.50
Prepaid interest, first (30 days)$7,794.85
Fees + prepaids$39,587.96
Your down payment is the seller’s equity. You take over the $1,419,722 balance, so the rest of the $1,599,000 price is paid at closing. A second mortgage can cover part of it. $218,866.39 is due at closing. Uses and sources reconcile at $1,638,587.96 each. Not a Closing Disclosure.