Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$442,828Cash toward the purchase price.
Closing costs + prepaids$13,312Not just lender fees.
Before credits & paid funds$456,139The complete starting cash picture.
Estimated remaining funds due at closing
$456,139No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$442,827.57
Your down payment$442,827.57
Closing costs + prepaids$13,311.82
Total buyer cash needed$456,139.40
Remaining funds due$456,139.40
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%)$785.86
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$696.25
Prepaid interest, first (30 days)$361.71
Fees + prepaids$13,311.82
Your down payment is the seller’s equity. You take over the $157,172 balance, so the rest of the $600,000 price is paid at closing. A second mortgage can cover part of it. $456,139.40 is due at closing. Uses and sources reconcile at $613,311.82 each. Not a Closing Disclosure.