Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$215,013Cash toward the purchase price.
Closing costs + prepaids$14,859Not just lender fees.
Before credits & paid funds$229,872The complete starting cash picture.
Estimated remaining funds due at closing
$229,872No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$215,013.21
Your down payment$215,013.21
Closing costs + prepaids$14,858.77
Total buyer cash needed$229,871.99
Remaining funds due$229,871.99
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%)$5,989.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,919.43
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$357.50
Prepaid interest, first (31 days)$1,124.84
Fees + prepaids$14,858.77
Your down payment is the seller’s equity. You take over the $383,887 balance, so the rest of the $598,900 price is paid at closing. A second mortgage can cover part of it. $229,871.99 is due at closing. Uses and sources reconcile at $613,758.77 each. Not a Closing Disclosure.