Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$209,837Cash toward the purchase price.
Closing costs + prepaids$15,304Not just lender fees.
Before credits & paid funds$225,141The complete starting cash picture.
Estimated remaining funds due at closing
$225,141No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$209,836.81
Your down payment$209,836.81
Closing costs + prepaids$15,304.44
Total buyer cash needed$225,141.25
Remaining funds due$225,141.25
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%)$1,950.82
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$569.75
Initial HOA (3 months)$282.00
Prepaid interest, first (31 days)$1,033.88
Fees + prepaids$15,304.44
Your down payment is the seller’s equity. You take over the $390,163 balance, so the rest of the $600,000 price is paid at closing. A second mortgage can cover part of it. $225,141.25 is due at closing. Uses and sources reconcile at $615,304.44 each. Not a Closing Disclosure.