Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$181,137Cash toward the purchase price.
Closing costs + prepaids$13,615Not just lender fees.
Before credits & paid funds$194,752The complete starting cash picture.
Estimated remaining funds due at closing
$194,752No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$181,136.68
Your down payment$181,136.68
Closing costs + prepaids$13,615.38
Total buyer cash needed$194,752.06
Remaining funds due$194,752.06
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%)$2,089.32
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$32.00
Prepaid interest, first (1 days)$36.06
Fees + prepaids$13,615.38
Your down payment is the seller’s equity. You take over the $417,863 balance, so the rest of the $599,000 price is paid at closing. A second mortgage can cover part of it. $194,752.06 is due at closing. Uses and sources reconcile at $612,615.38 each. Not a Closing Disclosure.