Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$189,815Cash toward the purchase price.
Closing costs + prepaids$15,304Not just lender fees.
Before credits & paid funds$205,120The complete starting cash picture.
Estimated remaining funds due at closing
$205,120No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$189,815.47
Your down payment$189,815.47
Closing costs + prepaids$15,304.36
Total buyer cash needed$205,119.83
Remaining funds due$205,119.83
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%)$5,990.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,045.92
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,384.50
Initial HOA (3 months)$348.00
Prepaid interest, first (2 days)$67.94
Fees + prepaids$15,304.36
Your down payment is the seller’s equity. You take over the $409,185 balance, so the rest of the $599,000 price is paid at closing. A second mortgage can cover part of it. $205,119.83 is due at closing. Uses and sources reconcile at $614,304.36 each. Not a Closing Disclosure.